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Best Homeowners Insurance Agencies in Maine

Our Recommended Top 7

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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.

773Reviewed

466Curated

7Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Homeowners Insurance Agencies Serving Maine
Portland

Expertise.com 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.

Best Homeowners Insurance Agencies Serving Maine
Portland

Expertise.com 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.

Best Homeowners Insurance Agencies Serving Maine
Portland

Expertise.com 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.

Best Homeowners Insurance Agencies Serving Maine
Portland

Expertise.com Rating

Review Sources

Google
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.

Best Homeowners Insurance Agencies Serving Maine
Sanford

Expertise.com Rating

Review Sources

Facebook
5.0 (18)
Google
4.1 (9)
Yelp
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.

Best Homeowners Insurance Agencies Serving Maine
South Portland

Expertise.com Rating

Review Sources

Google
4.9 (133)
Facebook
4.9 (25)
Yelp
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.

Best Homeowners Insurance Agencies Serving Maine
South Portland

Expertise.com Rating

Review Sources

Google
5.0 (17)
Facebook
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.

Compare our Top Homeowners Insurance Agencies

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

Maine Homeowners Insurance Agency FAQs

  • How do you know if the current amount of dwelling coverage on your Maine homeowners insurance policy is adequate?

    You have adequate coverage if your Maine homeowners insurance policy covers the full cost of rebuilding your home in case of complete loss. The replacement value of your dwelling can change due to fluctuations in labor and material costs, as well as inflation. To ensure that your coverage remains sufficient, it's advisable to regularly consult with your insurance agent.

  • Are there any belongings in your home not covered by your homeowners insurance policy in Maine?

    If your jewelry is stolen, in many cases, the insurance company will compensate you for a maximum of $1,500, but unless a particular item was explicitly insured, incidents like misplacing a bracelet or dropping a vase would typically not be covered. Moreover, there are limitations on certain items, like boats, securities, trailers, and firearms. Overall, the majority of belongings in your Maine home are protected against loss or harm due to particular risks or within certain financial limits.

  • Who should acquire homeowners insurance in Maine?

    Most residents in Maine, whether they possess a single-family home, duplex, condominium, or mobile home, should consider obtaining homeowners insurance. This recommendation also extends to residents who own a ski cabin or summer house within the state. Despite the distinct nature of these dwellings, they are typically covered by a specific kind of homeowners insurance.

  • What do "HO-" homeowners' insurance policies entail in Maine?

    Insurance experts in Maine commonly use abbreviations for various homeowners insurance policies, using "HO-" followed by a number. Here are some key codes:

    • HO-1: Offers basic house protection.
    • HO-2: Offers a bit greater level of protection for a house.
    • HO-5: Offers comprehensive house protection.
    • HO-7: Designed for mobile homes.
    • HO-8: Suited for older homes.
  • What elements impact the price of your homeowners insurance in Maine?

    Several factors affecting your Maine homeowners insurance costs include your home's age, its size, your credit and claims history, and your marital status. Other considerations that may impact your insurance rates are flooding and wildfires. Flooding can be extensive and costly, often requiring separate flood insurance. Regarding wildfires, your homeowners insurance policy should generally provide coverage for most of the damage caused by them.

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