Homeowners Insurance in Houlton, ME

Homeowners in Maine deal with fewer burglaries per year, on average, than in the US as a whole. Only about 2 per every 1,000 residents will face a burglary within the year in the state, compared to the US rate of more than 3.75 out of every 1,000. Still, having the right coverage to protect your home against burglaries and other disasters is crucial.

An independent insurance agent in Houlton can help you find the right type of homeowners insurance for your home. They'll get you covered long before disaster ever strikes. But for starters, here's a breakdown of home insurance specifics in Houlton, ME.

What Is Homeowners Insurance?

Homeowners insurance can help you get the reimbursement you need after a property disaster like a lightning strike, break-in, fire, etc. It can also help cover legal fees if you get sued by a third party, and extra costs if you stay somewhere else during extensive home repairs. Home insurance can help you rebuild your home after extensive damage or destruction to its structure.

What Does Homeowners Insurance Cover in Houlton, ME?

You'll most often find these core coverages in a standard homeowners insurance policy:

• Dwelling coverage: Can help reimburse for repair costs after damage or destruction of your home's structure by a covered disaster.
• Liability coverage: Can help reimburse you for legal costs after a third party sues you for personal property damage or bodily injury claims.
• Additional living expenses: Can help reimburse you for unexpected 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 reimburse for takeout meals, laundry services, and more.
• Contents coverage: Can help reimburse for repair costs or replace your personal property like clothing, furniture, etc., after a covered disaster.

An independent insurance agent in Houlton can ensure that you get set up with a homeowners insurance policy that includes necessary coverages. 

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

Like any other type of policy, Homeowners insurance comes with its own set of exclusions.

Home insurance in Houlton won't cover the following costs:

• Lawsuits stemming from malicious or intentional acts
• Damage from insects or pests
• Damage from war or nuclear fallout
• Routine maintenance of the home
• Natural flood or earthquake damage

You'll need to add flood insurance and earthquake insurance to your home insurance policy if you want coverage against these natural disasters. Your independent insurance agent in Houlton can advise if this is a wise choice and help you find these coverages.

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How Much Does Homeowners Insurance Cost in Houlton, ME?

Maine residents pay only about $882 per year for their home insurance, ranking the state as the ninth-cheapest for coverage in the country. The current national average of $1,211 is quite a bit higher in comparison. Thanks to the affordable rates, there's no reason an independent insurance agent in Houlton can't help you find a policy that works for you today.

The Most Common Home Disasters in Houlton, ME

Maine deals with its own set of specific disasters more commonly than others, just like anywhere else. 

Common home disasters in Maine include:

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

With the state of Maine being prone to flooding disasters, you might consider talking with your independent insurance agent in Houlton about adding flood insurance sooner rather than later. But your home insurance can cover many of these other top home disasters on its own, such as burglary.

Cheap Homeowners Insurance Near Me

Paying just a little bit more for your home insurance can help you get matched to a policy that best meets your needs. Higher premium rates may not seem attractive at first, but they can indicate higher coverage limits and a lower deductible. With that combination, you can pay less out of your own pocket before getting the amount of reimbursement you deserve.

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

Finding home insurance from a quality carrier in your city is easy. We've already compiled a list of just a few of our top-rated home insurance companies in Houlton, ME for you.

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

Why Work with an Independent Insurance Agent in Houlton, 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.