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Maine Home Insurance

Whether you’ve made your home in the White Mountains or down along Maine’s rugged coastline, unforeseen events and accidents can disrupt your life. Homeowners insurance helps protect your investment, providing financial security and peace of mind. With the right coverage, you can focus on enjoying your home without worrying about potential risks.

Is home insurance required in Maine?

Maine doesn’t legally require homeowners to have insurance on their property, but if you finance your home through a mortgage, your lender will likely require you to have homeowners insurance. Even if you own your home outright without a mortgage, it's still highly advisable to have homeowners insurance. Home insurance is not a one-size-fits-all product. It should be tailored to your specific situation and needs.

Typical homeowners insurance coverages in Maine

  • Coverage A – Dwelling:

    Coverage for your home and attached structures for damage caused by events such as fire, lightning, wind or hail.

  • Coverage B – Other structures:

    This covers damage to other structures on the property that are set apart from the dwelling, such as a fence, shed or detached garage.

  • Coverage C – Personal property:

    Coverage for your belongings, such as furniture, clothing and electronics, if they’re damaged by a cause listed in your policy.

  • Coverage D – Loss of use:

    This covers your temporary living expenses when a covered loss makes your home unfit to live in.

  • Coverage E – Personal liability:

    This covers damage or injury to another person or their property that you’re responsible for causing. It also covers legal assistance for claims made against you.

  • Coverage F – Medical payments to others:

    This coverage can pay for medical bills for people who are accidentally hurt on your property, not including members of your household.

Remember, each of these coverages is subject to a policy limit and exclusions, which are specified within your policy.

Your homeowners insurance won’t cover flood damages, so it helps to ensure you’re properly covered if there’s a flood. Flood insurance policies are available and are written through the federally backed National Flood Insurance Program. It’s common for mortgage companies to require flood insurance if your home is within or near a floodplain. Regardless, a flood can occur anywhere, and it’s a good idea to buy this additional coverage. 

Additional coverages in Maine

You may find that the general coverages afforded in a basic homeowners policy don’t cover certain losses or types of property. Amica offers home insurance options in the form of policy endorsements that can fill in some of those gaps in coverage. Adding endorsements to your homeowners insurance policy can provide valuable additional coverage tailored to your specific needs. Here are a few endorsements you might consider:

  • Special computer coverage:

    Additional protection beyond what’s included in your policy for devices against direct physical loss, like accidental damage or theft. Devices covered under special computer coverage include:

    • Desktops
    • Laptops
    • Smartphones
    • Gaming devices
    • Smart TVs

  • Identity fraud expenses:

    Identity theft is a growing concern, and this endorsement can help cover expenses associated with restoring your identity, such as legal fees, lost wages and other related costs.

  • Water backup and sump overflow:

    Unexpected and accidental water damage, like from an appliance or burst pipes, is covered by most homeowners insurance policies. But, at the same time, they also exclude coverage for backed-up sewers and drains. This endorsement provides coverage for water that backs-up through drains and sump pumps, which could be excluded under the standard policy.

  • Scheduled personal property:

    If you have high-value items such as jewelry, fine art or collectibles, a basic homeowners policy may not provide sufficient coverage. With this endorsement, you can insure specific items to make sure they're adequately covered against loss or damage.

  • Earthquakes:

    A standard policy excludes damage caused by earth movement, including earthquakes. This endorsement would extend coverage to damage caused by an earthquake.

Understanding rate factors for Maine home insurance

Location is a significant factor that impacts home insurance premiums. Homes in different areas, such as Bangor versus Moosehead Lake, may face different risks and therefore have different insurance considerations.

Your home insurance policy should be tailored to your specific needs and circumstances. That's why we emphasize the importance of selecting the right coverage options. By customizing your policy to suit your needs, you can ensure your home is adequately protected.

While some factors affecting your premiums may be beyond your control, such as location and weather patterns, there are proactive steps you can take to manage your premiums. Changing your deductible or exploring available discounts can help lower costs. Additionally, regularly reviewing and updating your coverage can ensure that your policy adequately reflects your current needs.

Maximize savings with homeowners insurance discounts

There are several ways Maine homeowners can save money on home insurance without compromising the quality of their coverage.1 We offer home insurance discounts for:

  • Alarm systems: Receive a discount when you insure a home with burglar alarms, sprinkler systems or fire alarms.
  • Automatic detection devices: Insure a home with a temperature monitoring, water leak detection or gas leak detection system installed and receive a discount.
  • New or remodeled homes: Receive a credit when you insure a new or remodeled home.
  • Claim-free: Receive a discount when you’ve had no claims in the past three years.

If these don’t apply to you, we also offer discounts for: 

  • AutoPay: Receive a discount when you opt to pay your premium using automatic deductions.
  • E-discount: Receive a discount when you sign up to receive policy information and bills electronically. 

One of the best ways to conveniently manage all of your insurance needs and save money at the same time is to bundle your insurance coverages for home and auto with the same insurance company. In fact, Mainers who bundle auto and home insurance with Amica could save up to 30% with a multiline discount.

Facts and figures about Maine

Common claims in Maine:

With freezing temperatures and heavy snowfall, it's no surprise that some common home insurance claims in Maine revolve around wintry weather. Homeowners insurance typically provides coverage for many of these winter-related risks, subject to policy limits. Here are some common winter-related claims that homeowners may face in Maine:

  • Frozen pipes: When temperatures drop below freezing, water pipes in homes can freeze and burst, causing significant water damage. As long as heat in the residence was adequately maintained, homeowners insurance typically covers damage resulting from burst pipes, including water cleanup and repairs to the affected areas.
  • Ice dams: Ice dams occur when snow on the roof melts and refreezes at the edges, forming a barrier that prevents water from draining properly. This can lead to water seeping into the attic or walls and can cause damage to ceilings, insulation and interior spaces. Homeowners insurance may cover repairs for damage caused by ice dams.
  • Roof damage: Heavy snow accumulation and ice buildup can put stress on roofs, leading to damage such as leaks or structural issues. Homeowners insurance typically covers roof damage caused by snowstorms or ice, although coverage may be subject to certain exclusions or limitations.

Maine homeowners may want to consider purchasing supplemental coverage for specific risks, such as flood insurance even in areas that are not flood plains.

Fun facts about Maine:

  • At 74.9%, Maine has the fourth highest homeownership rate in the country.2
  • U.S. News has ranked Portland seventh on its list of “Best Places to Live.”3
  • 90% of the country’s toothpick supply is produced in Maine.4

How to get home insurance in Maine

  1. Assess your coverage needs:

    An Amica representative can provide personalized guidance and help you navigate your options to find the right coverage for your needs. 

  2. Discover potential discounts:

    A representative can also assist you in exploring potential discounts or cost-saving measures available to Maine homeowners based on your unique circumstances.

  3. Get a quote:

    Amica offers convenient options for getting a quote. You can either get a home insurance quote online or call 800-242-6422 today to speak with a representative.

With Amica, you can rest easy knowing that your home is safeguarded against the unexpected, allowing you to focus on what matters most – enjoying life in beautiful Maine.

Get a home insurance quote

or call 833-513-3881

1 Discounts not available in all states and may vary.
2 U.S. Census Bureau
3 Best Places to Live in the U.S. in 2023-2024
4 53 INTERESTING FACTS ABOUT MAINE | WHAT IS MAINE KNOWN FOR?


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