Delaware’s only GEICO Exclusive Agency
Boat, Seasonal Home, and Auto Insurance in Lewes, DE
The First Town in the First State, on the water and busier every summer.
Rather talk to someone? Call our office
Lewes, Delaware
Insurance for life on the bay
Lewes calls itself the First Town in the First State, and it's easy to see why people love it. You've got the historic streets, the canal, the Cape May–Lewes Ferry, and Cape Henlopen State Park right next door. Only about 3,800 people live in the city itself, but the whole Cape Region around it keeps growing.
Living here means thinking about things inland drivers don't: salt air, storms, boats, and houses that sit empty part of the year. Our office is in Wilmington, about two hours north, so we'll be honest that a phone call is the easy way to reach us from Lewes. It's still a real conversation with a licensed agent.
We serve ZIP code 19958.
- Approximate residents
- 3,800
- From our Wilmington office
- 86 miles
- Typical drive to our office
- 2 hours
- County
- Sussex
Local numbers
Homes and households in Lewes
About a third of the homes in Lewes are held for seasonal or occasional use, and only about 13% of occupied homes are rented, the lowest share of the eleven towns on this site. If your house sits empty part of the year, tell your insurance company.
- Median year homes were built
- 1991
- Households that rent
- 13%
- Homes used seasonally
- 32%
- Workers who drive alone
- 52%
- Households with 3+ vehicles
- 13%
Rounded estimates from the U.S. Census Bureau's American Community Survey, 2020–2024.
What matters most in Lewes
Three things that are different when you live near the water.
Boat Insurance
The canal and Roosevelt Inlet
Lewes is a boating town, with marinas on the canal and open water just past the inlet. A boat policy can help with damage, theft, and liability. Tell us where you keep the boat and how far out you go.
Seasonal Property Insurance
A house you're not always in
A home that sits empty for weeks at a time has different risks, like a leak nobody catches. Make sure the policy matches how you use the house. Also ask about storm deductibles, since some policies have a separate one for named storms.
Auto Insurance
Ferry lines and Route 1
Traffic near the ferry and along Route 1 picks up every summer, with plenty of out-of-town drivers. Don't wait for a fender bender to find out what your deductible is.
Why call Anne Scharp Insurance from Lewes?
If you moved to Lewes from another state, you may still have insurance from back home. If you're putting down roots here, it's worth having a Delaware contact: the state's only GEICO Exclusive Agency.
The only one in Delaware
Anne Scharp Insurance is the only GEICO Exclusive Agency in the state. It's what we do all day.
The same rates as GEICO.com
Working with us doesn't change your price. You get the same rates you'd find online, plus someone to call.
More than sixteen years
We have more than sixteen years of experience, an A+ from the BBB, and two GEICO Top Performer awards.
All coverage
Insurance we write for Lewes
These are all the lines we write. Choose one to see what we’d go over with you.
- Auto InsuranceReal GEICO rates and real local guidance, with coverage built for how you drive. Same pricing as GEICO.com.
- Homeowners InsuranceProtect your home with tailored coverage options. Our agents provide personalized service to help find a fit for your needs.
- Renters InsuranceRenters insurance can help protect your belongings and personal finances while you live in a rented home.
- RV InsuranceRV insurance brings vehicle and travel-related protection together for a motorhome, camper, or travel trailer.
- Motorcycle InsuranceMotorcycle insurance can help protect your bike and prepare you for financial risks on the road.
- Boat InsuranceBoat insurance can help protect your watercraft and address the risks that come with owning and operating it.
- ATV InsuranceATV insurance can help protect an all-terrain vehicle and address the risks of riding it on trails and private land.
- Jewelry InsuranceJewelry insurance offers dedicated protection options for rings, watches, and other valuable pieces.
- Seasonal Property InsuranceSeasonal property insurance is designed for a second home or vacation property that sits empty for part of the year.
- Rental Property InsuranceRental property insurance is designed for a home you own and rent out to tenants.
Our office
Getting from Lewes to our office
We are about 86 miles from Lewes, or about two hours up Route 1. It's a long trip, so start with a phone call. Most things can be handled that way.
We’re licensed in Delaware, Maryland, New Jersey, and Pennsylvania, and we have Spanish-speaking agents. Walk-ins are welcome during office hours.
FAQ
Insurance questions from Lewes
Last updated November 4, 2026. This page is general information, not advice about your own policy. What a policy covers depends on its terms, so call us before you rely on anything here.
Nearby
More of Delaware near Lewes
We’re licensed across Delaware. These are the closest towns with a page of their own.
Talk to a real agent about your coverage
Same rates as GEICO.com, with someone local to call when you need them.