Personal Insurance for Delaware and Maryland
Living near the Delaware coast changes what personal insurance has to do. Windstorm deductibles, flood exclusions, seasonal property risks — these aren't edge cases in this market. They're standard conversations. As an independent personal insurance agent serving Sussex County, DE and Worcester County, MD, Susan works with multiple carriers to make sure your home, auto, and everything else you own is covered the way it should be — not the way a single company's product line allows.
Personal Insurance Coverage Available Through This Agency
Home Insurance
Standard homeowners coverage for year-round and seasonal residences, reviewed against your specific property risks and lender requirements.
Auto Insurance
Personal auto coverage for Delaware and Maryland drivers, shopped across multiple carriers for the right combination of price and protection.
Renters Insurance
Affordable personal property and liability coverage for renters in Delaware and Maryland, including beach area and seasonal rentals.
Personal Umbrella Insurance
Excess liability coverage that sits above your home and auto policies — an important layer for property owners and anyone with meaningful assets to protect.
Recreational Vehicle Insurance
Boat, golf cart, & ATV coverage for coastal living — policies built for how people actually use recreational vehicles along the Delaware and Maryland shore.
Boat & Watercraft Insurance
Coverage for the vessels that make coastal living worth it — from bay boats and fishing rigs to jet skis and sailboats, placed with carriers that understand what it means to keep something on the water in Delaware and Maryland.
New to Delaware? Here's What's Different About Insurance Along the Coast.
If you relocated to Delaware or the Maryland Eastern Shore from an inland state, your prior insurance experience may not have prepared you for what coverage looks like here. Windstorm deductibles are separate from standard homeowners deductibles and calculated as a percentage of your home's insured value — not a flat dollar amount. Flood damage is excluded from standard homeowners policies, full stop, and NFIP enrollment or a private flood policy is a separate decision entirely. Some coastal properties require placement through specialty carriers that your previous agent may never have worked with.
Susan has placed coverage on coastal and beach properties across Sussex County, DE and Worcester County, MD for years. If you're new to the area and trying to sort out what you actually need, she'll walk you through it in plain English — no pressure, no assumptions.
Why Independent Matters for Personal Lines Coverage in Delaware
A captive agent can only offer what their carrier makes available. In a coastal market like Sussex County, that limitation shows up fast — when a property is too close to the water, when a recreational vehicle needs specialty coverage, or when a windstorm deductible is higher than expected because the carrier's underwriting guidelines don't account for local conditions.
As an independent agent, Susan works with multiple carriers and can place your coverage where it fits best — not where her only option is. For clients with a home, a vehicle, and a boat or golf cart, that often means bundling across carriers in a way that reduces gaps and, frequently, reduces total premium as well.
Multiple carriers compared for every policy, every renewal
Bundling options across home, auto, and recreational vehicle lines
Access to coastal and specialty markets unavailable through captive agents
One agent who reviews your full coverage picture — not individual policies in isolation
Licensed in Delaware, Maryland, Virginia, and Pennsylvania for multi-state households
Common Questions About Personal Insurance in Delaware and Maryland
What personal insurance do I need living near the Delaware beach?
At minimum: homeowners or dwelling coverage, auto, and a separate flood policy if your property has any meaningful flood exposure. Windstorm coverage — either as part of your homeowners policy or as a separate endorsement — is also a standard consideration for coastal properties in Delaware and Maryland. Recreational vehicle coverage for boats, golf carts, or ATVs is worth reviewing if you own any. The right combination depends on your specific property and how you use it.
Can an independent agent in Delaware review all my personal insurance policies at once?
Yes — and that's one of the main advantages of working with a one-agent agency. Susan looks at your home, auto, recreational vehicle, and umbrella coverage together, not as separate transactions. That review often surfaces gaps or overlaps that individual policy reviews miss.
Is bundling home and auto insurance worth it in Delaware?
Often, yes — bundling home and auto with the same carrier typically reduces total premium and simplifies policy management. Whether it makes sense for a specific situation depends on which carrier offers the best fit for both lines. As an independent agent, Susan compares options across carriers rather than defaulting to a bundle with one company.
What's a windstorm deductible and do I need to worry about it in Delaware?
A windstorm deductible is a separate deductible on your homeowners policy that applies specifically to wind damage — including hurricane and nor'easter events. In coastal Delaware and Maryland, windstorm deductibles are common and are typically calculated as a percentage of your home's insured value rather than a flat dollar amount. That means a 2% windstorm deductible on a $600,000 home is $12,000 out of pocket before coverage applies. It's worth knowing what yours is before storm season — not after.
Can Susan insure a beach house or vacation rental property in Delaware or Maryland?
Yes — this is a core part of what she does. Coastal and beach properties often require specialty carriers for wind, flood, and high-value coverage that standard homeowners policies don't adequately address. Susan has access to markets specifically designed for these properties, including short-term rentals.
Susan Shollenberger Insurance Agency is an independent insurance agency based in Milton, Delaware, serving personal lines clients across Sussex County, DE and Worcester County, MD, with additional licensing in Virginia and Pennsylvania. Susan brings over two decades of combined experience in mortgage brokerage and insurance, with specific depth in coastal property placements and personal lines coverage for beach area homeowners, retirees, and relocating families. Learn more about Susan
