Independent Insurance Agent in Lewes, Delaware

Lewes is a town where history meets the waterfront — and where the right insurance coverage matters more than most people realize until a storm season arrives. I'm Susan Shollenberger, an independent insurance agent serving Lewes, DE residents, coastal property owners, and small business owners with direct, personal service and access to carriers that actually write policies in coastal Delaware.

Why Lewes Property Owners Work with an Independent Agent

Lewes sits at the mouth of the Delaware Bay, which means the properties here carry risks that a standard homeowners policy often won't fully address. Wind exposure, flood zones, and the seasonal rental market all create coverage gaps that captive agents — the ones tied to a single carrier — simply can't fill. As an independent agent, I shop across multiple specialty carriers, including markets that write coastal and high-wind coverage in Sussex County. That means you get options, not a take-it-or-leave-it quote from one company.

If you own a primary home, a beach property, a condo, or a vacation rental near Lewes, the coverage you need is specific to this area. I know these markets, and I know which carriers will actually show up when a claim needs to be paid.

Coverage I Offer Lewes, DE Residents and Property Owners

Whether you've lived in Lewes for decades or just bought a second home near the Cape Henlopen waterfront, I can help you put together coverage that fits your actual situation — not a generic package built for somewhere inland.

Home & Coastal Property Insurance

Standard homeowners policies often exclude wind damage or carry separate deductibles for named storms in coastal areas. I place home insurance and coastal property insurance with carriers that write in Sussex County and understand what Lewes properties actually face.

Flood Insurance

Lewes has a long history with flooding — from nor'easters to hurricane remnants — and many properties here sit in or near designated flood zones. I can walk you through both NFIP options and private flood insurance carriers, so you understand what you're buying before a storm is in the forecast.

Vacation & Short-Term Rental Insurance

Renting your Lewes property on Airbnb, VRBO, or through a local property manager? Standard homeowners policies won't cover you when guests are paying to stay. I work with carriers that write vacation and short-term rental coverage specifically for properties like yours.

Auto, RV & Small Business Insurance

Beyond property, I also help Lewes residents with personal auto insurance, boat and recreational vehicle coverage, renters insurance, and commercial insurance for small business owners in the area. One agent, one relationship, everything in one place.

What Makes Working with Susan Different

I'm not a call center. When you call or text me, I pick up — or I call you back the same day. Every policy I write, I write personally. Every question you have, I answer directly. I've spent years building relationships in the Delaware beach corridor, and I take that seriously.

A few things that matter when you're choosing an agent in Lewes:

• I'm an independent agent with access to multiple carriers, including specialty coastal markets
• I'm licensed in Delaware, Maryland, Virginia, and Pennsylvania
• I brought 17 years of mortgage brokerage experience into this work — I understand how property, financing, and risk intersect
• I answer calls and texts personally — you'll never be routed to a stranger
• I know Sussex County, the flood maps, the carrier appetite for coastal risks, and how to advocate for you at claim time

Ready to Talk? Reach Out Directly.

If you own property in Lewes, rent seasonally, run a business, or just want to make sure your current coverage actually holds up when you need it, I'd like to hear from you. There's no obligation — just a straightforward conversation with someone who knows this area and knows how to find the right coverage for it.