Delaware’s only GEICO Exclusive Agency
Home, Auto, and Boat Insurance in Smyrna, DE
A historic town in two counties, about 45 minutes from our office.
Rather talk to someone? Call our office
Smyrna, Delaware
Old town, new neighbors
Smyrna was once the busiest port between Wilmington and Lewes, shipping grain and lumber out along Duck Creek. The historic homes downtown still show it. Around them, the town has been growing fast, from about 10,000 people in 2010 to more than 13,000 today.
So an insurance conversation here can go two ways. You might own a house that's well over 100 years old, or one that was finished last year. The town also sits in both Kent and New Castle counties, halfway between Wilmington and Dover, and a lot of people drive to one or the other. We're about 34 miles up the road.
We serve ZIP code 19977.
- Approximate residents
- 13,300
- From our Wilmington office
- 34 miles
- Typical drive to our office
- 45 min
- Counties
- Kent & New Castle
Local numbers
Homes and households in Smyrna
The typical home in Smyrna was built around 2001, even with the historic houses downtown, because so much of the town is new. About three households in four own their home, and about 78% of workers drive alone.
- Median year homes were built
- 2001
- Households that rent
- 24%
- Homes used seasonally
- <1%
- Workers who drive alone
- 78%
- Households with 3+ vehicles
- 16%
Rounded estimates from the U.S. Census Bureau's American Community Survey, 2020–2024.
What matters most in Smyrna
Three things we'd think about if we lived near Duck Creek.
Homeowners Insurance
Insuring an older home
Older homes can cost more to repair, especially with original materials or old wiring. Before you buy a historic house, or when you renew, ask how the policy would handle rebuilding it.
Auto Insurance
The commute either way
Route 1 and Route 13 both run past Smyrna, so you're probably on one of them often. Accurate mileage matters when you get a quote, and so does choosing limits that protect you in a serious highway accident.
Boat Insurance
Close to the water
Duck Creek and the Delaware Bay are both close by. A boat policy can help with damage to the boat and with liability on the water, which a home policy may only partly cover, if at all.
Why call Anne Scharp Insurance from Smyrna?
In Smyrna, a house can be well over 100 years old or brand new, and both need the right policy. We're the only GEICO Exclusive Agency in Delaware, with an office about 45 minutes up Route 1.
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 Smyrna
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 Smyrna to our office
We are about 34 miles north of Smyrna, or about 45 minutes. Take Route 1 north, which is a toll road for 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 Smyrna
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 Smyrna
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.