Delaware’s only GEICO Exclusive Agency
Beach House and Rental Insurance in Rehoboth Beach, DE
For the summer home, the weekly rental, and everything in between.
Rather talk to someone? Call our office
Rehoboth Beach, Delaware
Beach town insurance is its own thing
Rehoboth Beach is small on paper. Only about 1,300 people live here year-round. But it fills up every summer with visitors from Washington, Baltimore, and Philadelphia, and many of the houses here are second homes or weekly rentals.
That changes what you need from an insurance policy. A home policy built for a full-time resident may not fit a house that's rented out from June through August and closed up in January. Our office is in Wilmington, about two hours north, so a phone call is usually the easiest way to reach us from here.
We serve ZIP code 19971.
- Approximate residents
- 1,300
- From our Wilmington office
- 90 miles
- Typical drive to our office
- 2 hours
- County
- Sussex
Local numbers
Homes and households in Rehoboth Beach
About 70% of the homes in Rehoboth Beach are held for seasonal or occasional use, far more than any other town on this site. The typical home was built around 1975. A policy needs to fit how the house is really used.
The City of Rehoboth Beach licenses residential rentals inside city limits. If you rent out your place, check the current rules with the city.
- Median year homes were built
- 1975
- Households that rent
- 19%
- Homes used seasonally
- 70%
- Workers who drive alone
- 48%
- Households with 3+ vehicles
- 13%
Rounded estimates from the U.S. Census Bureau's American Community Survey, 2020–2024.
What matters most in Rehoboth Beach
Three things that are worth asking about if you own near the boardwalk.
Rental Property Insurance
Weekly summer rentals
If you rent out your place, even for a few weeks a year, tell your insurance company. Paying guests can change what a standard home policy will cover, and a policy meant for rental property may be a better fit.
Seasonal Property Insurance
The house in the off-season
An empty house in January is a different risk from a full one in July. Frozen pipes and winter storms can do damage long before anyone notices. Be upfront about when the house is empty, so the policy fits.
Jewelry Insurance
Rings and the beach
Sand, surf, and sunscreen are hard on rings. A home policy often has a limit on jewelry, so if you own a piece you'd truly miss, a jewelry policy can give it coverage of its own.
Why call Anne Scharp Insurance from Rehoboth Beach?
If you own in Rehoboth but live in another state, it can help to have someone who knows Delaware: the state's only GEICO Exclusive Agency, licensed in Delaware, Maryland, New Jersey, and Pennsylvania.
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 Rehoboth Beach
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 Rehoboth Beach to our office
We are about 90 miles from Rehoboth Beach, or about two hours up Route 1. Since that's a long drive, it makes sense to call first.
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 Rehoboth Beach
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 Rehoboth Beach
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.