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The average homeowners insurance rate in Maine is $882 per year, which is much lower than the national figure at $1,211 annually. Pricing is based off of your individual exposures, making each premium different. To find your exact costs, consult with a licensed professional for tailored quotes.
If a water main breaks and causes water damage to your home, you probably don't have the protection you think you do. The majority of homeowners policies will not have coverage for a water main break. Some carriers have an option to include limits for outside waterlines that break and damage your Maine property, and it can be added for an extra premium.
Carriers use a combination of personal data and outside risk factors when calculating your insurance rates. Homeowners insurance premiums are based on items like past claims reported, the value of your home, and limits selected. Insurance companies will use local factors like crime, severe weather, and natural disasters as well to rate your policy.
In Maine, you'll have numerous options when it comes to homeowners insurance. The type of home policy you need will depend on the property you own. Check out the different insurance policies you can obtain for your primary home:
Yes, Maine has roughly 165 independent insurance agencies that are ready to help with your home insurance. They work with dozens of carriers so that you don't have to, making it super-simple. An independent insurance agent does the shopping for free so it won't cost you anything.
National average burglary rate 3.76 per 1,000 people
National average home value $269,000
National average home insurance cost $1,211 year
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