Delaware Insurance Rates:

Delaware, OH home insurance is roughly $614 to $834, about $51-$69/month. Our in depth guide shows customers can save upto $290 by comparing many quotes

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Delaware Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
American Family Insurance
Home Insurance Rate of $330/3 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $380,000

5 Beds, 5 Bath 3800 sqft Vacation Property Constructed In 1981 with Carpet over wood flooring, Wood Shake Roof, Piers Foundation, Wood siding, Stucco Construction. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

72 Years old Single Male who has a Full Time Job with household income of $100-$150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $840/8 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $365,000

5 Beds, 5 Baths 3560 sqft Vacation Property Constructed In 1982 with Linoleum, Membrane Roof, Slab Foundation, Vinyl siding, Stucco Construction. Home Features Include Swimming Pool, Fire Extinguisher, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

38 Years old Single Male who has a Full Time Job with household income of $100-$150,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $240/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $265,000

4 Beds, 4 Baths 2770 sqft Vacation Property Constructed In 1989 with Carpet Flooring, Metal Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Smoke Alarm, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

30 Years old Single Male who has a Full Time Job with household income of $50-$75,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $80/2 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $125,000

3 Beds, 3 Bath 1430 sqft Rental Property Constructed In 1987 with Carpet over wood flooring, Shingles Roof, Crawl Space Foundation, Wood siding, Stucco Construction. Home Features Include Deadbolt Locks, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

68 Years old Divorced Female who has a Full Time Job with household income of $50-$75,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $780/12 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $225,000

3 Beds, 3 Bath 2210 sqft Rental Property Constructed In 1945 with Linoleum, Composition Roof, Crawl Space Foundation, Stucco siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

53 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $160/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $190,000

4 Beds, 4 Baths 1700 sqft Seasonal Residence Constructed In 2014 with Linoleum, Slate Shingles Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Fireplace, Fire Extinguisher, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

66 Years old Single Female who is a Freelancer with household income of $75-$100,000 and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

Home Insurance Rate of $310/12 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $85,000

2 Beds, 2 Bath 1070 sqft Vacation Property Constructed In 2012 with Linoleum, Membrane Roof, Chainwall Foundation, Stone Siding, Wood Frame. Home Features Include Smoke Alarm, Copper Water Pipes, Fire Extinguisher, Fireplace, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

37 Years old Married Male who is a Freelancer with household income of $25-50,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $400/9 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $150,000

2 Beds, 2 Bath 1470 sqft Vacation Property Constructed In 2010 with Wood Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

43 Years old Single Female who has a Full Time Job with household income of more than $150,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Delaware, OH Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
43015 $174,400 $740

Delaware Rates & Quotes Analysis:

Delaware Area Estimated House Insurance
Freedom Ln, Acton Ct, Twp Hwy 144, Adrian Dr, Hoyt St, Somerset Rd, Stockard Loop, Blymer St, Ulery Rd, Winding Valley Dr$696
Parsons Ave, McNamara Pl, Indian Springs Dr, Co Rd 13, Diverston Way, Co Rd 15, Loveless St, Hayes St, S Sandusky St, Pecan Ct$699
Twp Hwy 142, Kensington Dr, Co Rd 215, W Towne Ln, Dakota Ct, Wabash Ave, Springwell Pl, Slack Rd, Little Creek Dr, Bean-Oller Rd$809
Twp Hwy 210, Hogback Rd, Horizon Ct, S Franklin St, Delta St, Co Rd 221, Butts Rd, Hedley Rd, Sonoma Dr, Co Rd 177$749
Independence Blvd, Brushmore Ct, Scarlet Ave, Co Rd 150, Woodland Dr, Wade St, Penn Rd, Co Rd 89, Shay St, E Central Ave$721
Coover Rd, Evans-Steed Rd, Thornapple Ct, Co Rd 214, Conner Ln, State Rte 229, Co Rd 12, Moody Rd, Little St, Sussex Ln$736
Marvin Ln, Stults Farm Dr, Havens Rd, Primrose Ave, Co Rd 91, Cottswold Dr, Moore St, Russell Rd, Twp Hwy 100, Braumiller Rd$780
Exeter Dr, Hyatts Rd, N Washington St, Co Hwy 13, Taylor Rd, Twp Hwy 167, Sunbury Rd, Avonlea Way, Twp Hwy 192, Pennsylvania Ave$736
Slate Crossing Dr, Pleasant Vw Lp, Twp Hwy 253, Shanahan Rd, Co Rd 91, Curve Rd, Ford Rd, Twp Hwy 172, Warren Rd, Twp Hwy 98$807
Marilyn Dr, Seton Dr, Co Rd 4, Twp Hwy 63, Kidwell Dr, Russell Rd, Twp Hwy 135, Pollock Rd, State Rte 521, Summerville Dr$789

Insurance rates are influenced by a number of factors including:

  • Year Built: 2,675 Homes (19% of total) built between 1990 to 1999 in Delaware are paying home insurance between $1,046-$1,057 in contrast with Delaware County (+$75), Berlin (+$86), Radnor (+$46), Ostrander (-$13) and Ashley (-$61).
  • Bedrooms: 2,697 4 bedrooms homes (19% of total homes ) in Delaware are paying about $1,087. Areas near to Delaware such as Delaware County, Berlin, Radnor are costlier by $78, $90, $48 respectively whereas Kilbourne and Ostrander are more economical by $84, $13 respectively for similar homes.
  • Auto Insurance Bundling: 1,866 Households (22% of all households) in Delaware have 3 or more vehicles available and when it is bundled with home insurance you can save $181. Discounts for similar bundling in close by locations such as Delaware County, Berlin, Kilbourne come to $194, $196, $167 respectively.
  • Senior Discounts: 3,219 seniors (more than 55 years) occupied housing units (38% of total) in Delaware get discounts between $108 to $110. The comparative concessions in proximate regions such as Delaware County, Berlin and Kilbourne are $116, $117 and $100 respectively.
  • New Homes discounts: New homes such as the 7,403 homes built between 2000 to 2009 in Delaware can save $145 and similar new home insurance discounts in nearby towns and cities like Delaware County, Berlin and Kilbourne are $155, $157 and $133 respectively.

Delaware Homeowners insurance Facts

  • Delaware, OH has 8,359 owner occupied houses which is 63.6% of all units whereas Delaware County, Berlin and Kilbourne have 82.94%, 94.84% and 52.24% respectively.
  • Delaware, OH homeowners yearly insurance price at $725 is 0.45% of the typical house value of $161,000 which is in contrast with 0.31% in Delaware County, 0.3% at Berlin & 1.0% in Kilbourne.
  • Homeowners in Delaware, OH pay 4.14% of their income ($15,000 to $19,999) in insurance whereas homeowners in Delaware County, Berlin and Ostrander pay 4.44%, 4.49% and 4.09% respectively.
  • Delaware, OH’s insurance is 4.1% of monthly housing costs of $1,470/month, for owners with a mortgage compared to 3.24% in Delaware County, 2.91% at Berlin & 4.26% in Ostrander. But, for households without a mortgage, insurance is 12.9% of costs ($467 in Delaware, OH) in contrast with 10.41% in Delaware County, 10.42% at Berlin & 14.11% in Ostrander.

Delaware, OH Home Values & Insurance rates

For example, insurance for 98 Homes (1.0% of total homes ) valued between $60,000 to $69,999 in Delaware, OH is about $290. Rates in nearby areas in such as Galena, Union County, Harlem are cheaper by $71, $20, $90 respectively while Kilbourne and Ostrander are costlier by $358 and $25 respectively for similar homes.

Delaware, OH Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 350 4.0% $108
$50,000 to $59,999 107 1.0% $232
$60,000 to $69,999 98 1.0% $290
$70,000 to $79,999 152 1.0% $333
$80,000 to $89,999 205 2.0% $377
$90,000 to $99,999 288 3.0% $427
$100,000 to $124,999 916 11.0% $493
$125,000 to $149,999 1,205 14.0% $616
$150,000 to $174,999 1,952 23.0% $725
$175,000 to $199,999 1,220 14.0% $841
$200,000 to $249,999 1,298 15.0% $1015
$250,000 to $299,999 444 5.0% $1239

Renters Insurance in Delaware

  • Average Renters Insurance in Delaware :  $128($10/month)

  • Median Gross Rent in Delaware :  $796

  • Delaware Renters Insurance to Median Rent Ratio:  1.26%

  • Average household size of renter-occupied unit :  2.26

Delaware Renters Insurance as a Percentage of Rent

Delaware Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 70 1.0% $332
$200 to $299 116 2.0% $782
$300 to $499 337 7.0% $1232
$500 to $749 1,512 32.0% $1907
$750 to $999 1,620 35.0% $2657
$1,000 to $1,499 756 16.0% $3782
$1,500 or more 207 4.0% $5432

Protective device discount in Delaware Up to :  $19

Claims-free discount in Delaware Up to :  $25