Frequently Asked Questions

Our Three Pillars of Protection™ framework is our comprehensive approach to insurance planning. It covers: (1) Property Protection (home, auto, valuables), (2) People Protection (life, disability, income), and (3) Future & Liability Protection (umbrella, cyber, business). This ensures you have complete coverage across all areas of your life.

The easiest way is to access Prominent Ops where you can complete intake forms and explore coverage options. Alternatively, you can call us at 302-351-3368 or email jason@prominentagency.com. We'll gather information about your needs and provide personalized proposals from multiple carriers.

We are licensed to provide insurance services in Delaware, Pennsylvania, and New Jersey. If you're located in one of these states, we'd be happy to help protect you and your family.

Prominent Ops is your central hub for managing your insurance needs. You can complete intake forms, upload policy documents for review, access claims information, and explore coverage options. We ask questions about your property, family, income, and future plans to identify gaps in coverage and recommend solutions that fit your budget and needs.

No! As an independent insurance agency, we work with multiple top-rated insurance carriers. This allows us to shop the market on your behalf and find the best coverage at competitive prices. We're not tied to any single company, we work for you.

A captive agent works for one insurance company and can only sell that company's products. As independent agents, we represent multiple insurance carriers, giving you more options, better pricing, and personalized service. We advocate for you, not the insurance company.

Insurance costs vary based on many factors including coverage type, limits, deductibles, location, age, driving record, credit score, and more. The best way to get accurate pricing is to request a proposal. We'll help you find the right balance between coverage and cost.

Yes! Bundling multiple policies (like home and auto) with the same carrier often results in significant discounts. We'll help you explore bundling options and find the combination that saves you the most money while providing comprehensive protection.

Contact us immediately at 302-351-3368 or jason@prominentagency.com. We'll guide you through the claims process, help you document everything, and work with your insurance carrier to ensure fair and timely resolution. Visit our Claims & Service page for more details.

We recommend reviewing your coverage annually or whenever you experience a major life event (marriage, new baby, home purchase, job change, etc.). Regular reviews ensure your coverage keeps pace with your changing needs and you're not overpaying or underinsured.

Umbrella insurance provides extra liability coverage beyond your auto and home policies. It protects your assets if you're sued for damages exceeding your standard policy limits. If you have significant assets, own property, or want extra peace of mind, umbrella insurance is an affordable way to protect your financial future.

Most policies allow monthly automatic payments directly through your insurance carrier. You can also make payments online through your carrier's website or portal. Contact us at 302-351-3368 for assistance with payment options.

Most insurance policies can be canceled, but timing and refund eligibility vary by carrier and policy type. Some policies have short-rate penalties if canceled mid-term. Contact us before canceling, we'll explain your options and any potential fees.

A standard homeowners policy typically covers: dwelling (structure of your home), personal property (belongings), liability (if someone is injured on your property), and additional living expenses (if you can't live in your home temporarily). Coverage limits and exclusions vary, so it's important to review your specific policy.

Yes! Your landlord's insurance covers the building, but not your personal belongings or liability. Renters insurance is affordable (often $15-30/month) and protects your possessions, provides liability coverage, and covers temporary housing if your rental becomes uninhabitable.