Homeowners Insurance in Bath, ME

Experts break down homeowners insurance costs, coverage, companies, and more in Bath, ME.

Facade of home with manicured lawn. Bath, Maine Homeowners Insurance.

Residents in Maine enjoy cheaper average premiums for homeowners insurance than those in most other states in the US. Having affordable coverage available near you can help you adequately protect your property against many threats, including vandalism, fires, lightning, and more. Without the right coverage, you could have to pay for property disaster losses out of your pocket.

But an independent insurance agent in Bath can help you get equipped with all the home insurance you need to avoid this. They'll ensure you get your policy long before a disaster impacts your property. Here's a closer look at homeowners insurance in Bath, ME.

What Is Homeowners Insurance?

Homeowners insurance is a type of coverage intended to reimburse for losses relating to damage or destruction of your home. Coverage includes your home's dwelling, your personal property, your personal liability, and additional living expenses if you have to live elsewhere temporarily. Home insurance is designed to reimburse for many disasters that could impact your home, including fire, falling objects, and much more.

What Does Homeowners Insurance Cover in Bath, ME?

Your homeowners insurance policy may need to include additional coverages depending on your unique circumstances, but the standard core protections found in home insurance are:

  • Dwelling coverage: Covers property repairs for damage or destruction of your home's dwelling or the structure after a covered disaster like an explosion.
  • Liability coverage: Covers legal expenses if a guest, delivery person, or other third party sues you for personal property damage or bodily injury claims.
  • Contents coverage: Covers the repair or replacement of personal property items, including electronics, silverware, clothing, furniture, etc., after a covered incident like theft, fire, etc.
  • Additional living expenses: Covers extra costs if you and your family must stay at a hotel or temporary residence while your home undergoes covered repairs. 

An independent insurance agent in Bath, ME will help you get your property protected by all the kinds of home insurance it needs.

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

Not even home insurance can cover all kinds of disasters. Coverage comes with a set of exclusions that are never covered, which often include:

  • Malicious and intentional acts by you and your family
  • Home maintenance expenses
  • Flood or earthquake damage
  • Termites, bed bugs, and other insect or pest damage and infestation
  • War or nuclear fallout damage

Ask your independent insurance agent about flood and earthquake insurance if you want to protect your home against these natural disasters, as they're excluded by home insurance. 


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How Much Does Homeowners Insurance Cost in Bath, ME?

With annual average rates of only $882, residents in Maine enjoy highly affordable homeowners insurance. Considering the current national average of $1,211 annually for home insurance, folks in Bath rack up quite hefty savings. Further, Maine overall currently ranks as the ninth-least expensive state for home coverage in the US. 

The Most Common Home Disasters in Bath, ME

No matter how well you maintain your property, your town is still vulnerable to certain types of home disasters more frequently than others.

Some of the most common home disasters in Bath, ME 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

Flood insurance becomes even more important to talk with your independent insurance agent about after seeing just how often these disasters can strike in Bath, ME. The good news is that your home insurance does provide coverage for burglaries, snow, and lightning damage, as well as many other types of disasters.

Cheap Homeowners Insurance Near Me

Homeowners insurance isn't necessarily something you want to find for cheap. Higher premiums can actually indicate a lower deductible limit on your policy, meaning you'd pay less out of your own pocket before receiving reimbursement for a claim. More expensive premium costs can also indicate a reliable carrier that delivers on its coverage promises, as well as higher coverage limits overall.

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

We're already familiar with some of the top-rated, most affordable insurance companies in Bath, ME. Here are just a few of our top choices for homeowners coverage in your city.

Top Homeowners Insurance Companies in Bath, ME Star Rating
5 star rating
5 star rating
MAPFRE Insurance
5 star rating
5 star rating
5 star rating

Why Work with an Independent Insurance Agent in Bath, 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.

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TrustedChoice.com Article | Reviewed by Jeffrey Green

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