McAfee Insurance Agency delivers tailored, affordable coverage for auto, home, business, and life protection. As an independent broker, we compare 25+ top carriers so you never overpay.
We work directly for you, not the insurance company. We compare policies across the nation's most respected underwriters.
See the real difference between purchasing direct from a single captive insurer versus partnering with your local independent broker.
| Feature & Metric | Direct / Captive Carriers | McAfee Insurance Agency |
|---|---|---|
| Policy Choice & Carrier Selection | ✕ One size fits all (1 Company) | ✓ 25+ Custom Carrier Options |
| Customer Service Access | ✕ 1-800 Automated Hold Times | ✓ Local Direct Lines & Real People |
| Agent Relationship & Advocacy | ✕ Rotating Call Center Reps | ✓ Dedicated Independent Advisor |
| Bilingual Spanish Support | ✕ Automated Language Menus | ✓ Fluent Bilingual Staff (Hablamos Español) |
| Annual Rate Review & Re-shopping | ✕ Cannot Re-shop (Locked In) | ✓ Proactive Market Rate Comparison |
From primary personal residences to commercial owner-operator freight fleets, we design coverage to fit your lifestyle and budget.
Personal Line
Protect your vehicle and family on the road with customized policies exceeding Delaware minimums, multi-car discounts, and collision protection.
Personal Line
Safeguard your most valuable investment. Full dwelling replacement cost, detached structures, personal property, and liability protection.
Commercial Line
Custom commercial coverage safeguarding business assets, business interruption, premises liability, and commercial property.
Commercial Line
Specialized commercial transportation coverage for owner-operators and fleets. Primary liability, motor truck cargo, and bobtail protection.
Commercial Line
Expert risk protection for apartment buildings, multi-family dwellings, condominium associations, and Delaware rental properties.
Personal Line
Secure your family's financial independence. Term life, whole life, and universal solutions to cover mortgages, college tuition, and living costs.
Instant online policy access without waiting on hold. Request documents, pay premiums, or report loss anytime.
Access direct carrier billing portals, confirm payment due dates, or request billing schedule adjustments.
Billing Portal →Submit First Notice of Loss 24/7 for auto accidents, home water damage, or property losses directly to our team.
Report Loss →Instant digital Delaware auto insurance identification cards generated and emailed directly to your phone.
Get ID Card →Add new vehicles, drivers, update garaging addresses, or revise coverage limits quickly and securely.
Update Policy →Read real experiences from Delaware families and business owners who rely on McAfee Insurance Agency.
“Excellent service! We've been insured with this group for years. Tamara and John are always friendly and helpful. They made our transition from GEICO to Nationwide seamless.”
“McAfee is mindful of the client's needs, responsive to questions and provides a comforting human element sadly absent in the digital age. I strongly recommend McAfee Insurance Agency.”
“I've been with this agency for years and so has many of my family members and every single person I've had an interaction with have been courteous and helpful.”
Common questions about Delaware insurance laws, independent brokers, and rate optimization.
Under Delaware state law, every motor vehicle must carry minimum liability coverage of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $10,000 for property damage. In addition, Delaware requires Personal Injury Protection (PIP) of $15,000 per person and $30,000 per accident. Because medical expenses and replacement costs frequently exceed state minimums, McAfee Insurance Agency recommends liability limits of at least $100,000/$300,000 alongside comprehensive and collision coverage.
Captive insurance agents represent only one insurance company (such as GEICO or State Farm) and can only sell that company's specific product at that company's fixed price. As an independent broker, McAfee Insurance Agency represents over 25 premier carriers—including Progressive, Travelers, The Hartford, and Nationwide. When rate changes occur, we proactively re-shop your policy across our network to keep your coverage comprehensive and your premium affordable.
Yes. Bundling home and auto insurance is the single most effective discount strategy in the insurance industry, typically saving clients between 15% and 25% on annual premiums. In addition, multi-policy bundling provides single deductible options in storms and coordinated liability limits with personal umbrella policies.
To prepare an accurate commercial quote, our team requires your business entity name (EIN), active physical location address, vehicle VINs and driver CDL information for commercial auto/trucking, estimated annual gross revenue, and payroll totals for workers compensation classification. You can also upload your current Declarations page to our secure service portal.
¡Sí, Hablamos Español! Our agency takes immense pride in providing personalized, bilingual insurance guidance in both English and Spanish across Delaware. Our bilingual agents assist clients daily with policy reviews, ID cards, bilingual claim reporting, and payment management.
Drop by our Wilmington Headquarters or Newark Branch for in-person consultation with an experienced local agent.
