The Best Home Insurance in Delaware for 2025

Amica and Chubb are among the best home insurance companies in Delaware, according to our analysis.

We analyzed data from more than 30 insurance companies to help you find the best home insurance in Delaware. Below are the insurers that earned 5 stars in our analysis.

Rates are based on a sample homeowner with good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

The best home insurance companies in Delaware

Here's more information about the best homeowners insurance companies in Delaware.

Amica stands out for its customer service and broad range of coverage options. The company has drawn far fewer consumer complaints to state regulators than expected for an insurer of its size, according to the National Association of Insurance Commissioners.

You can customize your policy with extra coverage above your dwelling limit, in case your house costs more to rebuild than expected. You may also want to add coverage for damage from water backups or recovery from identity theft.

» READ MORE: Amica homeowners insurance review

Chubb caters to owners of high-value homes and draws far fewer consumer complaints than expected for a company of its size, according to the NAIC. Its home insurance policies come with some great perks, including extended replacement cost coverage in case it costs more than your dwelling limit to rebuild your home after a disaster.

Chubb policyholders may also be able to take advantage of the company’s HomeScan service, which uses infrared cameras to look for problems behind the walls of your home.

» READ MORE: Chubb homeowners insurance review

USAA sells homeowners insurance to veterans, active military members and their families. If that description fits you, you may want to consider a USAA policy. That’s because the company’s homeowners insurance has certain features that other insurers may charge extra for.

For example, USAA automatically covers your personal belongings on a replacement cost basis. Many companies pay out only what your items are worth at the time of the claim, which means you may not get much for older items. USAA pays enough for you to buy brand-new replacements for your stuff.

» READ MORE: USAA homeowners insurance review

Other home insurance companies to consider

Looking for more of the best homeowners insurance companies in Delaware? These insurers received a NerdWallet star rating of 4.5:

» MORE: The best home insurance companies

How much does homeowners insurance cost in Delaware?

The average annual cost of home insurance in Delaware is $860. That’s 55% less than the national average of $1,915.

In most U.S. states, including Delaware, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.

In Delaware, those with poor credit pay an average of $2,175 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 153% more than those with good credit.

» MORE: Does your credit score affect home insurance rates?

Average cost of homeowners insurance in Delaware by city

How much you pay for homeowners insurance in Delaware depends on where you live. For instance, the average cost of home insurance in Wilmington is $810 per year, while homeowners in Dover pay $860 per year, on average.

» MORE: What’s the average cost of homeowners insurance?

The cheapest home insurance in Delaware

Here are the insurers we found with average annual rates below the Delaware average of $860.

» MORE: The cheapest homeowners insurance

Common risks for Delaware homeowners

Here are a few of the most common risks you may face as a Delaware homeowner, along with steps you can take to insure your home against them.

Hurricanes and wind damage

Hurricanes and coastal storms can seriously damage your home, even without making landfall. Homeowners policies usually offer coverage for wind damage but not flooding.

Your policy may have separate deductibles for hurricane or wind claims. Suppose your policy has a $1,000 deductible for most claims and a 2% deductible for wind claims. If your house has $250,000 worth of dwelling coverage, you’d have to pay for the first $5,000 of wind damage yourself.

Flooding

Standard homeowners insurance won't cover flood damage, which means people in at-risk areas should consider buying separate flood insurance. Remember that while you can get coverage at any time, there’s typically a 30-day waiting period before it takes effect.

» MORE: Why you might need flood insurance, even if it's not required

Thunderstorms and hail

Home insurance generally covers storm damage, but keep in mind that hail damage may have a separate deductible.

» MORE: Home insurance calculator: Estimate your rate

Delaware insurance department

The Delaware Department of Insurance oversees the state’s insurance industry. Its website provides consumer information and serves as a resource if you’re having a dispute with your insurer. If you need to file a complaint against your insurer, you can do so on the agency's website. You can also reach out to the department at 800-282-8611 or [email protected].