Founded in 1983 by Calvin Sheets, Sheets Insurance began as a Captive Nationwide Insurance agency in Bear, Delaware. Calvin, a true “scratch agent,” built the business from the ground up, guided by one simple but powerful principle: treat every client like family. Quickly becoming an expert through his unwavering commitment to trust, transparency, and building strong, lasting relationships became the cornerstone of the agency’s growth and reputation in the community utilizing insider knowledge.
Over the years, Calvin’s dedication earned the agency a loyal client base and a strong presence across Delaware. By putting people before policies, Sheets Insurance became known not just for coverage solutions, but for exceptional service and a personal touch that larger companies often lack.
In 2020, the agency made a major transition from a Captive Nationwide agency to an independent broker. This shift opened the door to partnerships with a wider range of trusted providers, giving clients more choices, flexibility, and customized solutions. No longer limited to a single company’s offerings, Sheets Insurance could now provide multiple quotes, ensuring clients always had the coverage that fit their unique needs. This evolution helped the agency expand its services, strengthen relationships, and solidify its reputation as a dependable, client-focused independent agency.
In 2024, leadership passed to Kyle Sheets, who continues to uphold the agency’s tradition of integrity, personalized service, and a client-first philosophy. Kyle’s vision combines the time-honored values of a family-owned business with a modern, forward-thinking approach. Under his guidance, Sheets Insurance maintains its local “Mom and Pop” atmosphere, while leveraging industry Insider knowledge, technology, and independence to outperform larger corporate competitors.
Today, Sheets Insurance is a trusted, community-focused agency serving families across Bear, Middletown, Townsend and Smyrna Delaware. Backed by over four decades of experience and a Team of dedicated, knowledgeable professionals, we combine ethical service with a client-first approach. Our team’s expertise and commitment ensure that every client receives personalized guidance and protection that truly fits their needs, helping generations of Delaware residents safeguard what matters most.