Delaware’s only GEICO Exclusive Agency
Home, Boat, and Auto Insurance in Milford, DE
On the Mispillion River, right where Kent and Sussex counties meet.
Rather talk to someone? Call our office
Milford, Delaware
Insurance for a river town between two counties
Milford sits on the Mispillion River, right on the line between Kent and Sussex counties. It was a shipbuilding town long before it became a stop on the way to the beach. Today it has a walkable downtown along the river, nearly 15,000 residents and the Bayhealth Sussex Campus hospital.
Our one office is in Wilmington, about 65 miles north, so we won't pretend we're around the corner. What we can offer Milford is GEICO's rates, plus a local team that knows Delaware and picks up the phone.
We serve ZIP code 19963.
- Approximate residents
- 14,700
- From our Wilmington office
- 65 miles
- Typical drive to our office
- 1.5 hours
- Counties
- Kent & Sussex
Local numbers
Homes and households in Milford
About half of Milford households rent, so renters insurance matters here as much as home insurance. About 82% of workers drive alone, the highest share of the eleven towns on this site, which makes your auto limits worth a look.
- Median year homes were built
- 1991
- Households that rent
- 49%
- Homes used seasonally
- 3%
- Workers who drive alone
- 82%
- Households with 3+ vehicles
- 15%
Rounded estimates from the U.S. Census Bureau's American Community Survey, 2020–2024.
What matters most in Milford
Three things that come with living on the river and near Route 1.
Homeowners Insurance
Living close to the river
A standard home policy generally doesn't cover flood damage. Flood coverage is usually a separate policy, and it isn't one that our office writes, so ask us where to start. We can review the rest of your home coverage with you.
Boat Insurance
Out the Mispillion to the bay
The Mispillion runs from downtown Milford out to the Delaware Bay. If you keep a boat here, a policy of its own can help cover damage to the boat and injuries or damage you may be responsible for.
Auto Insurance
Beach traffic in summer
Route 1 and Route 113 both run through the Milford area, and summer weekends bring a lot of out-of-state drivers. Solid liability limits are worth having on roads that get this busy.
Why call Anne Scharp Insurance from Milford?
You can buy insurance from almost anywhere. If you want GEICO's rates and a licensed agent based in Delaware, there's exactly one GEICO Exclusive Agency to call.
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 Milford
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 Milford to our office
We are about 65 miles north of Milford, or about an hour and a half on Route 1. Most Milford questions can be handled by phone.
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 Milford
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 Milford
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.