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Home Insurance - How to Choose the Right One For You Homeowners who are living in or near Delaware will be glad to know that there are plenty of home insurance companies to choose from. Most homeowners in Delaware Nationwide have an average rate of about $1,034 for homeowner's insurance, but in some areas, the average rate is much higher. This is because there are several areas where there is a lot of risk to cover. One of the most commonly chosen areas in which to insure is in the city of Wilmington. The average monthly premium for homeowners in Wi