Auto
GOOD DRIVERS ARE RESPONSIBLE DRIVERS.
From accidents and injuries to hit-and-runs and theft, it’s important to keep your car insured so you’re prepared if an accident occurs.
At Wolff Insurance Agency, we combine auto insurance with personalized service to give you the coverage that meets your needs and budget. Our insurance specialists will work with you one-on-one to find a policy that keeps you and your drivers protected– for peace-of-mind driving.
As your trusted source for car insurance, Wolff Insurance Agency offers a variety of coverage and additional protection options, such as:
- Liability coverage
- Collision coverage
- Comprehensive car insurance
- Uninsured motorist insurance
- Underinsured motorist insurance
- Medical payments coverage
- Personal injury protection (PIP) insurance
- Accident Forgiveness
- Roadside Assistance
- Towing and labor insurance
- Rental reimburse
Classic Car
QUALITY NEVER GOES OUT OF STYLE
Whether it’s just a hobby, or it makes you a living, your classic car deserves the best protection. At Wolff Insurance Agency, we have experience providing classic car insurance to residents in Newark, Middletown, Pike Creek, North Star, West Meadow, and Bear, and surrounding areas throughout DE. Nationwide has partnered with Hagerty®, the global leader in classic car insurance, to provide coverage for members who appreciate the classics.
Classic Auto Insurance Coverage
We take the time to understand every customer’s unique insurance needs, and help them create a plan that meets their lifestyle. Our classic car insurance coverage includes:
- Antique and classic cars
- Postwar vehicles
- Muscle cars
- Classic trucks and utility vehicles
- Vintage motorcycles and scooters
- Modified vehicles – like hot rods, tuners and lowriders
- Antique tractors
- Vintage race cars
- Classic military vehicles
- Kits and replicas
- Retired commercial vehicles
- Vehicles under construction
Trailer
An Insurance Plan Built to Keep you on the Move
We all know how important it is to keep our vehicles insured—in fact, except for New Hampshire, having auto liability coverage is required by state law. However, that car insurance coverage doesn't always extend to trailers being towed behind your vehicle, so trailer insurance can be used to fill this gap.
Having this form of insurance is more useful than people may realize. According to a report by the National Highway Traffic Safety Administration, rear-end collisions are the single most common type of crash and account for roughly 29% of all incidents. This means that trailers are exposed to a high degree of risk, especially when drivers can't effectively see vehicles in the lane behind them.
As a driver, you want to keep your vehicles and passengers safe. There's only so much you can do to prevent a collision, but with the right coverage plan, you can ensure that you're not going to find yourself paying out of pocket if a problem occurs.
Trailers Covered By Insurance
Most trailers can be insured, regardless of whether they're being used for private or commercial purposes. Exceptions to this are rare, and are generally limited to trailers that are considered too high-risk to insure. If you're unsure whether your trailer qualifies for coverage, call Wolff Insurance Agency and ask for more information.
Trailer types that are usually covered include:
- Horse trailers
- Camping trailers
- Car trailers
- Boat trailers
- Cargo trailers
- Bicycle trailers
...and many others
What's Covered
Most plans for trailer insurance include, but do not require, all of the following:
Liability Coverage: This form of insurance covers costs associated with property damage or bodily injury done to other people. Your existing vehicle liability coverage may or may not extend to your trailer—if not, this will need to be purchased separately or added to the main coverage.
Collision Coverage: If your trailer is damaged during a collision, this policy can help pay for repairs (regardless of whether or not you're at fault).
Comprehensive Coverage: This part of trailer insurance deals with damage to the trailer. Damage can come from many different sources. Fire, severe weather, vandalism, and water damage are among the most common uses for this coverage.
Contents Coverage: If your trailer is being used to carry and store personal items (clothes, furniture, etc.), this policy can help replace them in the event they're stolen, damaged, or destroyed. For especially large shipments, you might consider cargo and freight insurance.
Please be aware that trailer insurance is not the same as commercial trailer insurance, which is designed for vehicles being used for business purposes (including the transport of products) and covers different liabilities.
If you have a trailer that needs insurance, call Wolff Insurance Agency today to find out the specifics of the coverage and begin protecting your investment.
Condo
PROTECT YOUR HOME AND EVERYTHING IN IT.
At Wolff Insurance Agency, we know how hard you’ve worked to turn your house into a home. Since your home is one of your most important financial investments, you’ll need proper coverage to keep your investment protected.
Wolff Insurance Agency is your trusted solution for condo insurance. We offer coverage options that are both flexible and affordable, and will work with you on an individual basis to find a policy that best suits your needs. Our team is dedicated to providing the assurance that your family and your possessions are secure.
Our Condo Insurance coverage options include:
- Contents
- Loss of use
- Building additions & alterations
- Personal liability
- Condo loss assessments
- Medical Payments to others
- Credit card coverage
Homeowner
PROTECT YOUR HOME AND EVERYTHING IN IT.
At Wolff Insurance Agency, we know how hard you’ve worked to turn your house into a home. Since your home is one of your most important financial investments, you’ll need proper coverage to keep your investment protected..
Wolff Insurance Agency is your trusted solution for homeowners insurance. We offer coverage options that are both flexible and affordable, and will work with you on an individual basis to find a policy that best suits your needs. Our team is dedicated to providing the assurance that your family and your possessions are secure.
Our Home Insurance coverage options include:
- Dwelling
- Contents
- Personal Liability
- Medical payments to others
- Ordinance or law insurance
- Other structures
- Loss of use
- Credit card coverage
- Mortgage Protection
Renters
PROTECT YOUR HOME AND EVERYTHING IN IT.
At Wolff Insurance Agency, we know how hard you’ve worked to turn your house into a home. Since your home is one of your most important financial investments, you’ll need proper coverage to keep your investment protected..
Wolff Insurance Agency is your trusted solution for Renter insurance. We offer coverage options that are both flexible and affordable, and will work with you on an individual basis to find a policy that best suits your needs. Our team is dedicated to providing the assurance that your family and your possessions are secure.
Our Renter Insurance coverage options include:
- Contents
- Loss of use
- Personal Liability
- Medical payments to others
- Building additions & alterations
- Credit card coverage
Mobile Home
Protect Your Home And Everything In It
At Wolff Insurance Agency, we know how hard you’ve worked to turn your house into a home. Since your home is one of your most important financial investments, you’ll need proper coverage to keep your investment protected..
Wolff Insurance Agency is your trusted solution for mobile home insurance. We offer coverage options that are both flexible and affordable, and will work with you on an individual basis to find a policy that best suits your needs. Our team is dedicated to providing the assurance that your family and your possessions are secure.
Our Mobile Home Insurance coverage options include:
- Comprehensive Coverage
- Optional Replacement Cost
- Agreed Loss Settlement
- Liability Coverage
Life Insurance
PROTECT WHAT MATTERS MOST
Serving Newark, Dover, Elkton and the rest of Delaware, Maryland, New Jersey, Virginia and Pennsylvania.
Your family is your responsibility and your life, and there’s nothing better than watching them succeed and sharing in their ambitions, dreams, and conquests. But should something unexpected happen to you, you’ll want to be prepared for providing the assurance your family needs to keep their futures safe and sound. At Wolff Insurance Agency, we’ll work with you to keep your family protected.
A proper life insurance policy can give you reassurance knowing that your finances and beneficiaries are secure – from temporary to permanent coverage. At Wolff Insurance Agency, we understand that as things in your life change, so will your financial and insurance needs. That’s why it’s important to review your life insurance options with a specialist you can trust.
Whatever your situation, we offer life insurance options.
Individual Life Insurance
REASSURANCE FOR YOU AND YOUR LOVED ONES
Serving Newark, Dover, Elkton and the rest of Delaware, Maryland, New Jersey, Virginia and Pennsylvania.
Many individuals consider life insurance to be the cornerstone of a sound financial plan. And while no one likes to think about passing on, life insurance can relieve you of the financial worry your loved ones may face in the event of your passing.
Your beneficiaries will be able to use your life insurance policy to help pay for anything from expensive funeral costs and estate taxes to making up for lost income or funding your child’s education. It can even be used to continue payments on your mortgage.
At Wolff Insurance Agency, we know that choosing a life insurance plan is a big decision with many important factors to consider. Our knowledgeable team of insurance professionals are committed to walking you through the process and providing you with the best insurance solution to give you and your family the reassurance they deserve.
Types of Individual Life Insurance:
Wolff Insurance Agency offers several different coverage options for your consideration including term life and whole life insurance.
- Term Life – This is typically the simplest and least expensive insurance option. Term life insurance provides coverage at a fixed rate for a specified period of time. It’s a benefit policy that’s used primarily to cover financial responsibilities of the insured, with the benefit to be paid only if the insured were to die during the specified term. Most term life policies can be converted to a more permanent insurance solution such as whole life or universal life insurance.
There are two types of term life insurance:
- Annual Renewable Term is purchased for a period of one year, with the death benefit to be paid only if the insured were to die during that one-year term, along with the option to renew after the term period.
- Level Term Life guarantees a fixed premium for a given period of time, usually in terms of 10, 15, 20, or 30 years. Your premium is based on your age and coverage options, with longer terms being more expensive.
- Whole Life – As the most common type of permanent insurance, a whole life policy guarantees a death benefit for the lifetime of the insured as well as a cash value account for savings. Your premium remains constant throughout the duration of policy while payments over and above your premium are credited to your savings, which earn a fixed rate of interest.
Wolff Insurance Agency is here for you
There are many things to take into account when purchasing life insurance, and changes in your life situation can reflect changes in your insurance requirements. That’s why it’s important to carefully consider the different policy options and ensure that you have the right solution to meet your long-term life insurance needs.
An insurance specialist with Wolff Insurance Agency will review your current life insurance situation and help you design a policy to plan for the future.
At the end of the day, one of the biggest investments you can make is an investment in yourself.
As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.
Group Life Insurance
YOUR EMPLOYEES ARE THE BACKBONE OF YOUR BUSINESS
Serving Newark, Dover, Elkton and the rest of Delaware, Maryland, New Jersey, Virginia and Pennsylvania.
Having an impressive benefit package is essential for maintaining a happy and productive workforce. Since life insurance is the foundation of every health package, employees look to their employer to provide that valuable coverage not only for themselves, but also for their families.
At Wolff Insurance Agency, we offer a variety of flexible group life insurance solutions that benefit both you and your employees. As an employer, you can enjoy financial advantages such as income-tax deductible premiums and life insurance protection at a low group rate. Group life insurance also can contribute positively to the productivity of your business by reducing employee turnover and strengthening employee morale and loyalty.
To learn more about the group life insurance options available to your business, get in touch with a specialist at Wolff Insurance Agency. Our professional staff will gather information about your business and help design a plan that fits your needs and objectives for a desirable group life plan.
As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.
Long-Term Care
PERSONAL AND FINANCIAL PROTECTION FOR THE LONG TERM
Serving Newark, Dover, Elkton and the rest of Delaware, Maryland, New Jersey, Virginia and Pennsylvania.
For most Americans, a traditional life and health insurance package is enough to keep themselves and their families insured, but for many, additional coverage is required. At Wolff Insurance Agency, we offer extensive coverage options that can insure the care of those who need it most.
Long-term care insurance (LTC) helps provide for the medical expenses of extended home health care or nursing home costs beyond a specified period. In general, individuals who require long-term care are those who can no longer take care of themselves and are unable to perform the basic activities of daily living without assistance.
The costs of long-term care can be quite expensive, and are typically not covered under basic health insurance, Medicare, or Medicaid. Long-term care insurance from Wolff Insurance Agency can protect your family’s financial future by providing valuable coverage benefits for costs associated with:
- Home Care
- Assisted Living
- Adult Daycare
- Hospice Care
- Nursing Homes
- Respite Care
Individuals looking to purchase long-term care insurance must meet certain conditions in order to qualify for benefits. Talk to an insurance professional with Wolff Insurance Agency to learn more about long-term care insurance.
All guarantees and benefits of the insurance policy are backed by the claims-paying ability of the issuing insurance company. Policy guarantees and benefits are not backed by the broker/dealer and/or insurance agency selling the policy, nor by any of their affiliates, and none of them makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.
Disability
YOUR BIGGEST ASSET IS YOU
Serving Newark, Dover, Elkton and the rest of Delaware, Maryland, New Jersey, Virginia and Pennsylvania.
When it comes to protecting your assets, one of the most important things you can insure is your ability to work and earn a living. At Wolff Insurance Agency, we know that like most people, you depend on your income to pay bills, put food on the table, and provide for your family. But if you get sick or injured and cannot work, you will need to be protected in order to maintain your standard of living.
With disability income insurance from Wolff Insurance Agency, you can continue to pay your bills and keep you and your family from going into serious debt. If you cannot work as a result of injury or other illness, a disability insurance policy will pay a portion of your income, usually between 50 and 70 percent.
Policies can vary greatly depending on the individual, and the duration and amount for which you are reimbursed are determined by the nature of the disabling accident. Like life insurance, disability is purchased for a period of time, such as a two- or five-year term, and benefits will only be paid if you become disabled during the term of the policy.
Choosing the right disability coverage is important. In the event you become disabled, you will want to ensure that you and your family have enough coverage. A representative at Wolff Insurance Agency will look at the individual factors in your life and work situation and help design the best policy that meets your personal insurance needs.
ATV
EXPLORE THE TRAILS WITH CONFIDENCE
Serving Newark, Dover, Elkton and the rest of Delaware, Maryland, New Jersey, Virginia and Pennsylvania.
As you are riding your ATV, the last thing you want to wonder about is whether you have the right insurance coverage. With a customized All-Terrain Vehicle insurance policy from Wolff Insurance Agency, you can ride with confidence knowing you are covered.
Whether you ride a 4-wheeler, dune buggy, or even a golf cart, you can find the ATV Insurance you want and the protection you deserve with specialized coverage options, including:
- Collision Coverage – for damage to your ATV from an accident with another vehicle
- Comprehensive Coverage – as security for loss or damage from theft, fire, or vandalism
- Property Damage – to cover expenses to another person’s property for which you are liable
- Bodily Injury – to pay medical expenses to others if you are held liable in an accident
- Uninsured Motorist – to protect you from loss or damage caused by an uninsured rider
Wolff Insurance Agency is dedicated to offering you the best possible coverage at a price you can afford.
Boat Insurance
Serving Newark, Dover, Elkton and the rest of Delaware, Maryland, New Jersey, Virginia and Pennsylvania.
For most people, owning a boat is a dream come true. Whether you are out on the water with friends or enjoying a relaxing day of fishing, your boat can provide an escape from the daily grind.
With a Boat Owners Insurance policy from Wolff Insurance Agency, you can relax and enjoy your time away knowing your boat is covered. We offer many coverage options to keep you, your boat, and your passengers safe, specializing in insurance for the following water vehicles:
- Sail Boats
- Fishing Boats
- Other recreational boats
WHAT CAN A BOAT INSURANCE POLICY COVER?
- Unfortunately, accidents happen – even on the water. A specialized Boat Insurance policy covers your boat as well as its motor against potential loss due to:
- Vandalism
- Collision with another boat or object
- Theft
- Damage caused by uninsured or underinsured boaters
Your policy also extends to protect extra equipment attached to your boat such as anchors, oars, canopies, life preservers, and fuel tanks. Optional coverage for fishing equipment and personal property is also available.
In addition, liability coverage can help pay for medical expenses or property damages to another person if you are at fault in a boating accident.
Motorcycle Insurance
Hit The Open Road
Serving Newark, Dover, Elkton and the rest of Delaware, Maryland, New Jersey, Virginia and Pennsylvania.
Warm weather brings out a wild side for many drivers, with a noticeable increase in motorcycle traffic. Whether cruising the back roads or heading to the city, holding the proper insurance coverage is essential for motorcyclists as danger could be around the bend.
At Wolff Insurance Agency, we understand the exposures facing motorcyclists and our insurance package can be customized to fit a variety of risks.
INSURING MOTORCYCLISTS WITH COLLISION COVERAGE, PROPERTY DAMAGE LIABILITY, AND MORE
We believe in taking a consultative approach to insurance, and we will answer any questions before helping you select what best fits your needs. Whether a novice rider or seasoned expert, our coverage can be tailored for each client. Our motorcycle insurance can protect against a variety of exposures, and our coverage offerings include, but are not limited to:
- Collision Coverage
- Theft
- Vandalism
- Damage caused by Uninsured or Underinsured Motorists
- Bodily Injury Liability
- Property Damage Liability
- Medical Payments Coverage
- Guest Passenger Liability
We can keep motorcycles protected while in storage, and can also protect gear, equipment and accessories.
Personal Watercraft
Serving Newark, Dover, Elkton and the rest of Delaware, Maryland, New Jersey, Virginia and Pennsylvania.
For most people, owning a jet ski is a dream come true. Whether you are out on the water with friends or enjoying a relaxing day, your jet ski can provide an escape from the daily grind.
With a personal watercraft Insurance policy from Wolff Insurance Agency, you can relax and enjoy your time away knowing your jet ski is covered. We offer many coverage options to keep you, your jet ski, and your passengers safe, specializing in insurance for the following water vehicles:
- Jet Skis
- Wave Runners
- Other personal watercraft
WHAT CAN A PERSONAL WATERCRAFT INSURANCE POLICY COVER?
Unfortunately, accidents happen – even on the water. A specialized personal watercraft Insurance policy covers your jet ski, as well as its motor against potential loss due to:
- Vandalism
- Collision with another jet skis or object
- Theft
- Damage caused by uninsured or underinsured boaters
Your policy also extends to protect extra equipment attached to your boat such as anchors and life preservers. Personal property is also available.
In addition, liability coverage can help pay for medical expenses or property damages to another person if you are at fault in a jet ski accident.
RV & Camper
Explore new places in comfort
Serving Newark, Dover, Elkton and the rest of Delaware, Maryland, New Jersey, Virginia and Pennsylvania.
Whether you’re planning a family vacation or a weekend road trip, make sure your RV is covered with the right insurance policy.
Your RV is more than a car, but it's not quite a house. This can make it a challenging to find the right coverage for your home on wheels at an affordable rate. that's where we can help. Weather you need RV insurance motorhome insurance or trailer insurance, the agents at Wolff Insurance can help with finding you the right policy.
RV Insurance Coverages include:
- Bodily Injury Liability
- Property Damage Liability
- Collision
- Comprehensive
- Uninsured Motorist
- Underinsured Motorist
- Medical Payments
Snowmobile
WHEN THE SNOW FALLS, MAKE SURE YOU ARE READY
Serving Newark, Dover, Elkton and the rest of Delaware, Maryland, New Jersey, Virginia and Pennsylvania.
Your snowmobile is your ticket to enjoying the fresh mountain air and exhilarating scenery of the countryside, and while you are out there in the thick of it all, contemplating whether you have the right insurance should be the last thing on your mind.
Wolff Insurance Agency offers specialized Snowmobile Insurance at affordable rates, with benefits tailored to meet your specific insurance needs. Whether you are a beginner or a seasoned veteran, we offer the following protection and more:
- Collision Coverage – to cover damage to your snowmobile from a collision with another vehicle
- Comprehensive Coverage – as coverage for loss or damage from theft, fire, or vandalism
- Property Damage – to pay for damage to another person’s property for which you are liable
- Bodily Injury Liability – for paying the medical expenses of others if you are at fault in an accident
- Uninsured Motorist Protection – to insure damage caused by an uninsured driver
Additional Snowmobile Insurance coverage is also available for custom equipment that you have added to your snowmobile.
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- Access to multple companies and a wide choice of products
- Ease of switching from one company to another
- Completely objective and unbiased advice
- Claims assistance
- Advocacy that works for you . . .not the companies
- Policy service from the same person you bought from . . .not a different person every time
Call us Today
302-283-1880
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