Personal Insurance
Protection for
What Matters Most
As an independent agency, we compare policies from more than 25 appointed carriers to find the right coverage at the best price for families across Delaware, Pennsylvania, New Jersey, Maryland, and Virginia.
Get Your Protection PlanCoverage Options
From auto and home to life and umbrella, each coverage type explained in detail so you can make informed decisions about your protection.
Auto Insurance
Protection on the road
Comprehensive coverage for your vehicles, from liability to collision and beyond.
Delaware requires minimum auto liability limits of 25/50/10, meaning $25,000 per person, $50,000 per accident for bodily injury, and $10,000 for property damage. Pennsylvania requires 15/30/5, while New Jersey mandates 35/70/25 (Standard policy, effective January 1, 2026; Basic policy remains an option) with additional Personal Injury Protection (PIP). Maryland requires 30/60/15. These are legal minimums, and we typically recommend higher limits to protect your assets. We compare rates from our appointed carriers to find the right balance of coverage and cost. Whether you need standard coverage, SR-22 filings, or high-value vehicle protection, we build a policy that fits your situation. Virginia requires minimum auto liability limits of 50/100/25 ($50,000 per person and $100,000 per accident for bodily injury, and $25,000 for property damage) for policies effective on or after January 1, 2025.
Learn More About Auto InsuranceHomeowners Insurance
Your castle, protected
Safeguard your home, belongings, and liability with tailored coverage.
Homeowners insurance covers your dwelling, personal property, liability, and additional living expenses if your home becomes uninhabitable. In the Mid-Atlantic region, we pay special attention to risks like wind damage along the Delaware coast, water damage from heavy rainfall in Pennsylvania, and flood exposure in low-lying areas of New Jersey and Maryland. Standard homeowners policies typically exclude flood damage, which requires a separate policy through FEMA's National Flood Insurance Program or private flood carriers. We work with our appointed carriers to find policies that match your home's replacement cost, location risks, and personal property needs.
Learn More About Homeowners InsuranceRenters Insurance
Coverage for your space
Affordable protection for your belongings and personal liability.
Renters insurance is one of the most affordable and overlooked types of personal coverage. For as little as $15 to $30 per month, renters insurance protects your personal belongings against theft, fire, and certain types of water damage. It also provides personal liability coverage if someone is injured in your apartment and covers additional living expenses if you need to temporarily relocate. Whether you rent an apartment in Wilmington, a row home in Philadelphia, a condo in Cherry Hill, or a townhouse in Baltimore, renters insurance provides essential protection that your landlord's policy does not cover. Your landlord's insurance protects the building, not your belongings.
Learn More About Renters InsuranceLife Insurance
Secure their future
Term and whole life options to protect your family's financial wellbeing.
Life insurance ensures your family maintains their standard of living if something happens to you. Term life insurance provides coverage for a specific period, typically 10, 20, or 30 years, and is the most affordable option for most families. Whole life and universal life policies build cash value over time and provide permanent coverage. We work with our appointed carriers to find policies that match your family's needs and budget. A common guideline is to carry 10 to 12 times your annual income in life insurance, but the right amount depends on your mortgage, children's education plans, outstanding debts, and your spouse's income.
Learn More About Life InsuranceUmbrella Insurance
Extended protection
Extra liability coverage beyond your auto and home policy limits.
An umbrella policy provides an additional layer of liability protection above your auto and homeowners policy limits. Umbrella coverage typically starts at $1 million and can extend to $5 million or more. If you are involved in a serious auto accident or someone is injured on your property and the damages exceed your underlying policy limits, your umbrella policy covers the difference. This is especially important for families with significant assets, rental properties, teenage drivers, swimming pools, or dogs. Umbrella insurance is surprisingly affordable, often $200 to $400 per year for $1 million in coverage, making it one of the best values in personal insurance.
Learn More About Umbrella InsuranceValuables & Specialty
Protect what's precious
Specialized coverage for jewelry, art, collectibles, and high-value items.
Standard homeowners policies cap coverage on valuable items like jewelry, watches, art, musical instruments, and collectibles, often at $1,500 to $2,500. If you own items worth more than these limits, you need a personal articles floater or inland marine policy to fully protect them. These policies cover your valuables against a broader range of risks, including accidental loss, with no deductible in most cases. Whether you have a diamond engagement ring, a vintage guitar collection, fine art, or sports memorabilia, we help you schedule these items for their full appraised value through our carrier partners.
Learn More About Valuables & SpecialtyHow We Help You Save
Most people stick with one insurance company for years without realizing they could get better coverage at a lower price. As an independent agency, we do the comparison shopping for you.
The Independent Advantage
A captive agent works for one insurance company and can only offer that company's products. An independent agency like Prominent works for you. We have contracts with more than 25 appointed carriers, which means we can compare rates and coverage options across the market. If your current carrier raises your rates, we can shop alternatives without you having to start from scratch.
Coverage Gaps We Often Find
During our strategy sessions, we regularly identify coverage gaps that leave families exposed. These are some of the most common issues we see across Delaware, Pennsylvania, New Jersey, Maryland, and Virginia:
Why Choose Prominent?
We don't just sell policies, we build strategic protection plans tailored to your unique situation across Delaware, Pennsylvania, New Jersey, Maryland, and Virginia.
States Served
Top-Rated Carriers
Years Experience
Personal Insurance FAQ
Common questions about auto, home, life, and umbrella insurance in Delaware, Pennsylvania, New Jersey, Maryland, and Virginia.
Explore Personal Coverage Options
High-Net-Worth Insurance
Private client coverage for affluent families
Auto Insurance
Vehicle coverage and state requirements
Homeowners Insurance
Protect your home and belongings
Life Insurance
Financial protection for your family
Umbrella Insurance
Extra liability protection
Renters Insurance
Affordable apartment coverage
Valuables Insurance
Jewelry, art, and collections
Ready to Get Started?
Schedule a free strategy session to review your current coverage, identify gaps, and compare rates from more than 25 appointed carriers. No obligation, no pressure.