Health & Family Plans
Individual, family and Medicare coverage compared side by side, in plain English — so you know exactly what each plan pays and what it doesn't.
Independent Insurance Advisory · Lewes, Delaware
We take the guesswork out of insurance.
Best Insurance Consultancy is an independent advisory practice serving Lewes, Rehoboth and all of Delaware. We review what you have, compare what's out there, and help you choose coverage that actually fits — without selling you anything you don't need.
Independent advisors — not an insurance company. We compare, you decide.
40+ A-rated carrierscompared on every review
1 business daytypical response time
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Years advising Delaware families & businesses
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Policies reviewed & restructured
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Carriers compared, side by side
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Of reviews end with no change — you keep what works
What we help with
Coverage, sorted from the first policy to a full family review
We don't push products. We look at your whole picture, find the gaps and the overpayments, and walk you through every option before you sign anything.
Life Insurance
Term or whole life, how much coverage you actually need, and what it should cost. We model the numbers before anyone quotes you.
Auto
Liability limits, collision and multi-vehicle discounts — tuned for coastal commutes and a mix of new and used cars, not one-size-fits-all bundles.
Home, Condo & Renters
Wind, water and flood exposure reviewed for Delaware coastal living — including NFIP and private flood options where they make sense.
Business & Commercial
General liability, workers' comp, property and professional coverage for small and mid-size businesses across Delaware — built around how you actually operate.
Long-Term Care & Final Expense
Planning for the costs most families discover too late — coverage at a price you can actually budget for, explained line by line.
Don't see your situation? Most coverage questions are more common than you'd think. Ask us — it takes two minutes.
How a review works
Four steps. No pressure, no jargon
A typical review takes about three weeks start to finish — and you get a written summary at the end, whether you change anything or not.
01
A free 20-minute conversation
Tell us what you're trying to protect — or that you're not even sure yet. No commitment, no forms to fill out before we talk.
02
We map what's missing
You get a written gap analysis: where you're covered, where you're not, and roughly what each option costs to fix.
03
You compare real offers
We line up quotes from several A-rated carriers so you're choosing between real numbers, not just advice.
04
We stay on the case
Annual reviews, help when a claim comes up, and a call whenever your life changes — new kids, new house, new hires.
≈ 1 in 3 reviews
ends with no change at all — we tell you when you're already well covered
Why people in Delaware call us
Local answers for local risks
Carrier-neutral by design
We advise on the plan, not the brand. Every recommendation is backed by quotes from multiple A-rated carriers, so you can see the spread yourself.
Plain-English answers
Deductibles, riders, exclusions — explained before you sign anything, not after. If a policy is confusing on purpose, that's a red flag and we'll say so.
Coastal know-how
We understand what wind season does to a Rehoboth rental, and what a growing staff does to your workers' comp. National models miss that. We don't.
No pitch, ever
About a third of our reviews end with the client staying exactly where they are. If you're already well covered, that's what we'll tell you.
From our clients
What people say after the review call
We were overpaying on three policies without realizing it. One review call later, we were saving close to $1,400 a year — and I finally understand my auto deductible.
Maria T.Renter & auto · Rehoboth Beach
As a first-time homebuyer I didn't know what a flood zone actually meant for my mortgage. They walked me through every option without pushing a single product on me.
Daniel K.Homeowner · Lewes
They restructured our company's coverage the year we hired our first two employees. Zero gaps in our workers' comp, and the premium came down, which I didn't expect at all.
Priya S.Business owner · Wilmington
Not sure what you actually need? Most people aren't — that's normal.
A 20-minute review is free, and you leave with a written summary either way. We'd rather you spend an hour with us now than a year finding out too late.
Book Your Free Review
or call (888) 242-6694
Best Insurance Consultancy is an independent advisory and consulting firm, not an insurance company. We do not issue or underwrite policies.
Contact
Talk to an advisor
Call, email, or send a message below. We reply to every inquiry within one business day — usually much faster.
Hours
Mon–Fri 9:00 AM – 6:00 PM
Saturday 10:00 AM – 2:00 PM · closed Sundays
Send us a message
Tell us a little about what you're trying to protect. No obligation — and no sales call you didn't ask for.