Coastal Delaware landscape with marsh grass and water

Serving the Delmarva Peninsula since 1998

Guard what matters most along the coast

From coastal storms to everyday risks, we craft insurance strategies that keep Delaware families and businesses resilient—no matter what the weather brings.

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2,400+

Policies Active

Families and businesses across Sussex, Kent, and Worcester counties trust us with their most important assets.

25+ Years

Local Experience

Deep roots in the Delmarva community mean we understand the unique risks coastal living presents.

98%

Claims Satisfaction

When disaster strikes, our dedicated claims team moves fast to get you back on your feet.

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What We Cover

Comprehensive protection for every corner of your life

Whether you're safeguarding a coastal home, a family vehicle, or a growing enterprise, we build policies as unique as your circumstances.

Homeowners Insurance

From beachfront properties to rural farms, we protect your home against storms, floods, theft, and everything in between—with coverage tailored to Delmarva's coastal realities.

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Auto Insurance

Drive with confidence knowing you're covered for accidents, weather damage, and road hazards. We offer competitive rates and flexible deductibles that fit your budget.

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Business Insurance

Protect your livelihood with coverage for property, liability, workers' compensation, and business interruption—designed for Delmarva's diverse small-business landscape.

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Life Insurance

Secure your family's future with term, whole, and universal life policies. We help you choose the right coverage so your loved ones are protected no matter what comes next.

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Flood Insurance

Standard homeowners policies don't cover flood damage. As a coastal community, we strongly recommend dedicated flood coverage through the NFIP and private carriers.

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Bundle & Save

Combine your home, auto, and other policies for meaningful discounts. Our agents will find the perfect combination to maximize your savings without cutting corners on coverage.

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Delmarva Coastal Insurance office exterior in Frankford, Delaware

About Us

Your neighbors, your insurers

Delmarva Coastal Insurance was founded on a simple belief: the people who understand your risks best are the ones who live them too. For over two decades, we've been Frankford's trusted insurance partner—walking alongside families and business owners as they build, protect, and grow.

We're not a call center wrapped in a website. We're a local agency that knows the difference between a coastal flood risk and a rural one, that remembers your name, and that shows up when you need us most. That personal commitment is what sets us apart—and what keeps our clients with us for life.

Locally owned & operated

Personalized service

Multi-carrier access

Claims advocacy

Why Choose Us

Insurance built differently

We don't sell policies from a spreadsheet. We build relationships—and the coverage that comes with them.

We listen first

Every conversation starts with understanding your life, your risks, and your goals. No pressure, no scripts—just an honest assessment of what you actually need.

We shop the market

We work with multiple top-rated carriers, so you're never locked into one company. We find the right fit for your coverage needs and your budget.

We're here when it counts

When a claim happens, you need answers fast. Our team is available by phone and in person—never stuck in an automated loop.

Coastal expertise

Living on the Delmarva Peninsula means unique risks—hurricanes, coastal flooding, seasonal vacancies. We know them, and we build policies that address them head-on.

Annual policy reviews

Your life changes. Your insurance should too. We proactively review your coverage each year to make sure you're never underinsured or overpaying.

Transparent pricing

No hidden fees, no surprise renewals. We explain exactly what you're paying for and why—so you can make informed decisions with confidence.

Client Stories

Trusted by our community

"After a severe storm damaged our roof, Delmarva Coastal handled our claim with incredible speed and compassion. They advocated for us every step of the way and made a stressful situation manageable."

M. Thompson

Homeowner, Ocean View

"I switched to Delmarva Coastal for my small business insurance and immediately saved money while getting better coverage. They took the time to understand my operation and found exactly what I needed."

R. Delgado

Business Owner, Salisbury

"As a first-time homebuyer in a coastal area, I had no idea what I needed. They walked me through every option, explained the flood risk clearly, and made sure I wasn't overpaying for coverage I didn't need."

S. Patterson

Homeowner, Frankford

Get in Touch

Let's protect what matters

Whether you need a new policy, a review of your current coverage, or just have questions—we're here to help. Reach out today for a free, no-obligation consultation.

Call us

(302) 841-1222

Visit us

34064 Central Ave

Frankford, DE 19945

Office hours

Mon–Fri: 9:00 AM – 5:00 PM

Sat–Sun: By appointment

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