Can I keep a student's car on our family policy?

Often, yes, but your insurance company needs to know where the car is kept and who drives it. Let us know about the change so the policy matches real life.

I rent my Newark house to students. Is my homeowners policy enough?

It may not be. Homeowners policies are generally written for homes the owner lives in. Rental property is one of the lines we write, so ask us to take a look.

I live in Newark but work in Maryland or Pennsylvania. Does that matter?

Your policy follows Delaware's rules if your car is registered here, and it generally travels with you. We are also licensed in Maryland and Pennsylvania, so we can help if you ever move across the line.

Delaware’s only GEICO Exclusive Agency

Renters, Auto, and Landlord Insurance in Newark, DE

Students, families, and landlords, with a local office about 20 minutes up the road.

Rather talk to someone? Call our office

Newark, Delaware

Insurance for a college town and everyone around it

Newark is home to the University of Delaware, and that shapes a lot of life here. Main Street is busy, plenty of houses are rented by the room, and many people move every year or two. Then there are the neighborhoods around town where families have lived for decades.

Those are very different insurance needs in one small city. A student on South College Avenue, a parent in a house off Route 896 and the person renting that house out all need different things. Our office is about eight miles away, so it's easy to call or stop by.

We serve ZIP codes 19702, 19711, and 19713.

Cannon Hall at the University of Delaware in Newark

Local numbers

Homes and households in Newark

About half of Newark households rent, which fits a college town, and only about 56% of workers drive alone. Yet about one household in five has three or more vehicles, so it's worth checking who drives what and where each car is kept.

The City of Newark runs a rental permit program through its Code Enforcement office. If you rent out a house inside city limits, check what applies to it.

Median year homes were built: 1978
Households that rent: 49%
Homes used seasonally: <1%
Workers who drive alone: 56%
Households with 3+ vehicles: 21%

Rounded estimates from the U.S. Census Bureau's American Community Survey, 2020–2024.

What matters most in Newark

Three questions we would want answered if we lived here.

Renters Insurance
Off-campus housing
A laptop, a bike, and a few years of stuff add up quickly. A parent's home policy may or may not reach an off-campus apartment, so it's worth asking before you assume. Renters insurance is one straightforward way to be sure.
Get a renters quote
Auto Insurance
A car at school
If a student brings a car to Newark, tell your insurance company where it's kept. Newark also sits right on the Maryland line and close to Pennsylvania, so many drivers here cross a state border as part of a normal day.
Get an auto quote
Rental Property Insurance
Renting out a house near campus
A regular homeowners policy is written for a home you live in. If you rent yours to tenants, talk to us about a policy built for rental property.
Get a rental property quote

Why call Anne Scharp Insurance from Newark?

Newark has plenty of options when you are shopping for insurance. Only one of them is the GEICO Exclusive Agency that is based in Delaware, about 20 minutes up the road.

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 Newark

These are all the lines we write. Choose one to see what we’d go over with you.

View All Insurance

Our office

Getting from Newark to our office

We are about eight miles from downtown Newark, or about 20 minutes. Route 2 gets you most of the 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 Newark

It depends on where they live and what your home policy covers. Some home policies extend to a student living away, with limits, and off-campus housing can be treated differently. Call us with your details and we will help you sort it out.

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.

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