Home insurance cost in Delaware
About $1,365 a year, or $114 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Home insurance cost
$1,365
a year
A month
$114
Rank
3 of 51
1 = cheapest; −45% vs U.S.
| State | Home insurance cost | Rank |
|---|---|---|
| Hawaii | $900 | 1 |
| Vermont | $1,170 | 2 |
| Delaware | $1,365 | 3 |
| Alaska | $1,385 | 4 |
| New Jersey | $1,480 | 5 |
| U.S. | $2,490 | - |
Common questions
How much is homeowners insurance in Delaware?
About $1,365 a year, or $114 a month, for $400,000 of dwelling coverage, per NerdWallet's 2026 rates. The U.S. average is $2,490.
Is home insurance in Delaware expensive?
Delaware ranks 3 of 51 (1 = cheapest). Your price depends on the home's rebuild cost, location, claims history, credit and deductible.
Add insurance and taxes to a full payment with the mortgage calculator.
More for Delaware: monthly budget · take-home pay · rent.