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Best Homeowners Insurance Agencies in Maine

Our Recommended Top 7

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Maine Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.



7Top Picks

Learn about our selection process.


featured provider = Featured Provider

South Portland Rating

Review Sources

5.0 (17)
5.0 (6)

Why choose this provider?

Dennis Hersom is known as the top State Farm Insurance agent in Maine providing the best policies throughout throughout the state. He offers homeowners' insurance that covers home repairs and replacement of personal property like jewelry, musical instruments, appliances, and furniture in case of natural calamities or random acts of theft and vandalism. His insurance plans also protects clients from personal liability in accidents that occur in their homes. Additionally, he handles other insurance products, including auto, life, health, and pet. Dennis brings over more than 40 years of experience in the industry.

Sanford Rating

Review Sources

5.0 (18)
4.1 (9)
5.0 (1)

Why choose this provider?

Garnsey Brothers Insurance is an independent agency that offers the best services throughout Maine. It provides the best homeowners' insurance policies, including repair and rebuilding, personal liability, medical coverage, additional living expenses, and personal property. It also handles renters', condo, and landlord insurance and protects owners from property damage caused by natural events, like earthquakes and floods. The company has been in operation since 1947. It is partnered with various insurance carriers, such as Bristol West, Allstate, Farmers Insurance Group, The Hartford, and Safeco Insurance.

South Portland Rating

Review Sources

4.9 (133)
4.9 (25)
5.0 (3)

Why choose this provider?

Noyes Hall & Allen Insurance is a locally owned and locally managed company that has been providing the best coverage in Maine since 1933. It offers homeowners' insurance plans that protect clients from personal liability and costs due to property damage. The company also handles other products, covering automobiles, condominiums, and renters. Its agents cater to a range of business clients from small restaurant owners and contractors to local and international corporations. The company represents various carriers, including Foremost, The Hartford, and Liberty Mutual.

Portland Rating

Why choose this provider?

Lotfey Dennett Insurance Brokers is an independent agency that provides the best protection to clients in Maine. It offers home insurance policies that cover fire, structural damage, and burglary of personal belongings. It also handles other insurance products, covering high-value homes, secondary dwellings, mobile homes, condominiums, and renters. Additionally, it caters to commercial clients, delivering a range of policies from cyber liability to workers' compensation. The company's founding partner, Nick Lotfey, has been in the industry since 2009 and is a Certified Insurance Counselor.

Portland Rating

Why choose this provider?

Sanford Insurance Agency is a local company that caters to individuals, families, and businesses in Maine. Its homeowners' insurance plans offer the best coverage for the property's physical structure, replacement cost, personal possessions, liability, and additional living expenses in the event of a natural disaster or a covered loss. It also handles condominium, renters', and flood insurance. In addition, the company carries other insurance products, such as commercial property and workers' compensation policies. Sanford Insurance Agency has been serving clients since 1970.

Portland Rating

Review Sources

4.5 (4)

Why choose this provider?

Coastal Insurance Agency is a locally owned business that provides risk management services in Maine. It offers the best homeowners' insurance that protects policyholders and their tangible assets from damage or theft. The company's other products include protection plans for cars and recreational vehicles. It also caters to commercial clients, personalizing policies for artisans and specific industries, such as retail and manufacturing. The agency has been in operation for over 20 years and partners with more than 20 insurance carriers.

Portland Rating

Why choose this provider?

Marsh Agency Insurance is a family-owned business that provides the best policies along with the cheapest rates throughout Maine. It offers the best home insurance plans that cover losses from theft, fire, and storm and protects clients from lawsuits in injuries sustained within the property. Other home-related policies that the company handles include renters', condo, second home, and landlord insurance. Marsh Agency has been serving communities for over 25 years. It is a founding member of the Portland Buy Local Independent and Community Alliance.

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Dennis Hersom - State Farm Insurance Agent
210 Western Avenue, South Portland, ME 4106
Garnsey Brothers Insurance
909 Main Street, Sanford, ME 4073
Noyes Hall & Allen Insurance
170 Ocean Street, South Portland, ME 4106
Lotfey Dennett Insurance Brokers
500 Washington Ave 2nd floor, Portland, ME 4103
Sanford Insurance Agency
242 St John St #128, Portland, ME 4102
Coastal Insurance Agency
558 Brighton Avenue, Portland, ME 4102
Marsh Agency Insurance
560 Brighton Avenue, Portland, ME 4102


  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

  • What is the difference between home warranty and homeowners insurance?

    Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

  • Does Geico offer homeowners insurance?

    Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

  • How long does homeowners warranty insurance last?

    Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

  • Does homeowners insurance cover water heaters?

    Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

  • Are RVs covered under homeowners insurance?

    Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

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