Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Portland

Our Recommended Top 9

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 Portland 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.

44Reviewed

30Curated

9Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
170 Ocean Street, South Portland, ME 04106
  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

Why choose this provider?

Noyes, Hall, & Allen Insurance is an agency that sells personal liability and homeowners insurance policies to customers in the Portland metro area. The agency answers questions that clients have about insurance coverage and helps them to compare rates and purchase coverage to insure dwellings, personal items, and additional structures. Insurance coverage is also available for renters and for owners of condo units. Noyes, Hall, & Allen Insurance sells auto insurance policies too.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Facebook
3.8 / 5 (5)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
242 St John St #128, Portland, ME 04102
  • Multiple Policy Types

Why choose this provider?

Sanford Insurance Agency is a local business that has been offering a wide range of insurance policies throughout Portland and the surrounding regions since 1970. The professionals from this firm offer homeowners' insurance to financially protect the client's home and belongings from risk. The company's home insurance policy covers the home's physical structure, additional living expenses, replacement costs, and the owner's liability to other people. Sanford Insurance Agency also provides business and auto insurance plans.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
470 Forest Avenue, Portland, ME 04101
  • Fire
  • Flood

Why choose this provider?

United Insurance is a personal and commercial insurance company that offers homeowners' coverage for clients in Portland. Its offered policies secure repair costs for damages sustained from common hazards, including flood, fire, and wind. It also offers policies with liability protection against claims of injuries that occur on a client's property. United Insurance also counsels clients on the scope of their policies to determine possible gaps in coverage. Its other lines of personal insurance include renters, life, auto, and umbrella.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Facebook
4.9 / 5 (17)
Google
4.1 / 5 (8)
Yelp
1.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
210 Western Avenue, South Portland, ME 04106
  • Multiple Policy Types

Why choose this provider?

Dennis Hersom, State Farm Insurance Agent, is an agency operated by a founder with over 30 years of insurance experience. It's affiliated with State Farm and helps clients to purchase homeowners insurance coverage to protect them from financial turmoil if their homes or other assets are destroyed by disasters. This agency assists families as they shop for insurance coverage and secure policies. Auto insurance coverage is offered here as well.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (10)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
500 Washington Ave 2nd floor, Portland, ME 04103
  • Multiple Policy Types

Why choose this provider?

Lotfey Dennett Insurance Brokers is an independent insurance agency that serves homeowners' insurance in Portland and surrounding areas. The company's insurance advisors discuss with homeowners their insurance needs to determine the appropriate insurance policy that provides the proper coverages. Some of the items that can be covered in the policies are property damage, contents, additional living expense, personal liability, and miscellaneous coverage. Lotfey Dennett Insurance Brokers represents multiple insurance carriers and can provide clients plenty of coverage options.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (63)
Facebook
5.0 / 5 (25)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
401 Western Avenue, South Portland, ME 04106
  • Multiple Policy Types

Why choose this provider?

AAA Northern New England - South Portland offers a comprehensive range of auto, business, property, and home insurance coverages and services. It assists clients in choosing the right homeowner's insurance coverage that they need to protect their house, condo, or apartment. The standard coverage includes dwelling and other structures, personal liability, and personal property. Clients can also customize their plans with add-ons, which include earthquake, flood, umbrella, and schedule personal property insurance coverage.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.2 / 5 (33)
Yelp
3.0 / 5 (1)

Website
560 Brighton Avenue, Portland, ME 04102
  • Multiple Carriers
  • Multiple Policy Types

Why choose this provider?

Marsh Agency Insurance is a family-owned, independent agency based in Portland. Its homeowners' insurance product protects clients' homes and personal possessions from damages caused by fire, natural events, and theft. It also covers personal liabilities for in-premise injuries. Additionally, it offers related products like renters' and condo insurance policies. Marsh Agency Insurance has been serving the city and the whole state of Maine for more than 35 years. Some of its partners are MetLife, National General, US Assure, and Concord Group Insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (6)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
558 Brighton Avenue, Portland, ME 04102
  • Multiple Policy Types

Why choose this provider?

Coastal Insurance Agency offers property and casualty insurance solutions for clients in Portland and the surrounding areas. The agency helps homeowners have financial security over their residential properties and personal belongings in case of unfortunate events such as theft or other damages. The agents recommend the right homeowners' insurance policy for the client depending on the risks covered. Established in 2000, the company is a locally owned agency affiliated with more than 20 insurance carriers including the Sevigney Insurance Group.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.3 / 5 (3)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
909 Main Street, Sanford, ME 04073
  • Renter's Insurance
  • Flood
  • Earthquake
  • Condos

Why choose this provider?

Garnsey Brothers Insurance offers homeowners insurance products and assists clients as they look to purchase coverage for their homes and personal property. The agency informs customers of benefits included within policies and works to make sure that they're purchasing the right types of coverage in the right amounts. Garnsey Brothers Insurance also advises clients in personal liability coverage to protect them if they're sued by guests who've been injured on their properties.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (9)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

FAQs

  • 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.
  • Does homeowners’ insurance cover construction damages in Portland?

    Yes. Homeowners’ insurance covers the cost of damaged construction materials used to build your Portland home. However, if you’re currently building your home, the insurance company may encourage you to get additional coverage for construction aside from the standard homeowners’ insurance. This additional coverage will help you with the costs if an accident occurs during construction.

  • What are the advantages of having personal property protection in your homeowners’ insurance in Portland?

    Standard homeowners’ insurance policies in Portland include personal property protection, which provides added financial security in case your belongings are damaged due to home-related accidents. This coverage assists in replacing or fixing various items in your home, including electronics, furniture, and clothing. Personal property protection typically reimburses you for the actual cash value of the damaged items.

  • How much is the replacement cost covered in homeowners’ insurance in Portland?

    Your homeowners’ insurance policy limits determine the replacement cost you can obtain for the damaged items in your Portland home. Insurance companies will calculate the original cash value of the damaged or lost items and deduct it from the depreciation value, allowing them to reimburse the item's current value.

  • How can you lower your homeowners’ insurance cost in Portland?

    There are different ways you can lower the cost of your homeowners’ insurance in Portland. First, you can check out insurance companies offering discounts you may qualify for. These discounts may happen when you subscribe to two of their insurance plans. Another option to lower your insurance cost is to raise your deductible by as much as five to ten percent.

  • Does homeowners’ insurance cover damaged items outside your Portland home?

    Receiving claims for items damaged or lost outside your home depends on your homeowners’ insurance policy. If your policy includes off-premises protection, you may be able to recover the placement or repair costs for the items. For instance, your children’s damaged possessions while they're living in a dormitory for college may still qualify under your coverage. However, once they move off-campus, they need to get renters’ insurance of their own. Another example includes accidents on your sidewalks or backyards.

  • 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.

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