Homeowners Insurance in Augusta, ME

Maine is one of the top ten most affordable states for homeowners insurance in the nation. With rates well below $1,000 annually, finding coverage can be simple. Having homeowners insurance can help protect your property from vandalism, break-ins, fire, and much more.

An independent insurance agent in Augusta can help you find all the homeowners insurance you need. They'll make sure you get the right coverage for you long before it's time to file a claim. But up first, here's a closer look at homeowners insurance specifics for Augusta.

What Is Homeowners Insurance?

Homeowners insurance is designed to reimburse property owners for many disasters that can impact their homes, including lightning, hail, wind, theft, and more. Policies also include liability coverage that can help reimburse for lawsuit costs if you get sued. Home insurance can also cover unexpected costs if you stay somewhere else while your home undergoes repairs. 

What Does Homeowners Insurance Cover in Augusta, ME?

The core coverages included in standard homeowners insurance policies in Augusta include:

• Dwelling coverage: Reimburses for repairs for damage or destruction of your home's structure after a covered disaster.
• Contents coverage: Reimburses for repair or replacement of your personal property like clothing, furniture, etc., after a covered disaster.
• Additional living expenses: Reimburses for extra costs if you have to stay at a hotel or other temporary residence while your home gets repaired after a disaster. This coverage can also pay for takeout meals, laundry services, and more.
• Liability coverage: Reimburses you for legal costs if a third party sues you for personal property damage or bodily injury claims.

Your independent insurance agent in Augusta can help you assemble the right home insurance policy for your needs.

What's Not Covered by Homeowners Insurance in Augusta, ME?

Though your home insurance can help you get reimbursement after many types of disasters, it can't provide it for everything. Home insurance in Augusta doesn't cover:

• Damage caused by insects, termites, or other pests
• Damage caused by nuclear fallout or war
• Damage caused by flooding or earthquakes
• Lawsuits related to dishonest, malicious, or intentional acts
• Costs from routine home maintenance 

Separate flood insurance and earthquake insurance policies would have to be added to your home insurance to protect your property from damage caused by natural floodwaters or earthquakes. Your independent insurance agent in Augusta can help you find these essential coverages.

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How Much Does Homeowners Insurance Cost in Augusta, ME?

Residents in Maine pay an average of only $882 annually for home insurance, which is quite a bit lower than the current national average of $1,211. Maine actually ranks as the ninth-least expensive state for home insurance in the country. An independent insurance agent can help you find affordable homeowners insurance in Augusta.

The Most Common Home Disasters in Augusta, ME

Every area on the map has a few specific disasters it experiences more frequently than others. In Augusta, ME, these disasters are:

1. Severe storms and lightning damage
2. Flooding and water damage
3. Heavy snow
4. Hurricanes and tropical storms
5. Burglary and other property crimes

Since Maine is especially prone to flooding disasters, it's all the more relevant to talk with your Augusta independent insurance agent about adding flood insurance. Your home insurance, however, can cover many of these disasters, including heavy snow and burglary.

Cheap Homeowners Insurance Near Me

When it comes to home insurance, it's important to shell out enough money to ensure that you get quality coverage from a reliable carrier. Paying a bit more for your coverage can also help you get a lower deductible so you'll pay less out of your own pocket if you have to file a claim. Higher coverage limits overall can also accompany slightly higher premiums.

What Are the Best Homeowners Insurance Companies in Augusta, ME?

There's no need to do extensive research on quality local home insurance companies near you. We've gone ahead and compiled a list of a few of our top-rated home insurance companies in Augusta already.

Top Homeowners Insurance Companies in Augusta, ME	Star Rating
Stillwater
Foremost
MAPFRE Insurance
Progressive
Peerless

Why Work with an Independent Insurance Agent in Augusta, ME?

There's no such thing as a one-size-fits-all homeowners insurance policy. With a wide variety of products and options at your disposal, you can put together a solid home insurance package that's custom-built for you and your family.

Independent insurance agents can help you choose the right policies and options to meet your specific coverage needs. Because they're independent, these agents can work with several of the best homeowners insurance companies in Maine to find you the right coverage at a great price.