Looking for low cost Homeowners Insurance Rates? We can help. Simply enter your zipcode in the graphic below and hit the go button.

Home insurance is important for any property owner or renter, because it protects the owner financially from certain damages and liabilities that may occur. Most types of insurance plans cover theft, fire, and or windstorm damages, but protection from flood, earthquake, and neglect are typically not covered unless you purchase these separately.

Most mortgage lenders require that you maintain a home insurance plan of some sort in order to lend from them. It is a good idea to have all of your investments and your entire home completely covered in case of a disaster. There are many different types of home insurance in the state of Maine, but there are three main types that you will typically encounter when shopping for home insurance:

• 1. Basic HO-1: Protects your home and all possessions inside your home from fire, smoke, theft, defacement, and glass breakage.
• 2. Broad HO-2: Extends upon basic HO-1 coverage by adding structural collapse, falling objects (such as trees) and water damage from appliances.
• 3. Special HO-3: This covers your home from all perils excluding flood and earthquake damage.

Most home insurance companies offer discounts on their plans for non-smokers, multiple policy holders, and various other reasons. Additionally, installing a security system into your home can also bring a nice discount from your insurance company. A good home insurance agent can provide you with all available discounts and promotions to help you choose the right plan and coverage for your needs.

Our customers from Portland, Lewiston, Bangor, South Portland, Auburn, Biddeford, Augusta, Saco, and many other great cities throughout Maine use our services to find the most affordable home insurance policies. You will find that our vast network of life insurance agents and brokers is a great resource for finding the right home insurance coverage for your needs.