Paige Cerulli Last Updated On: September 21, 2023

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How to Find the Best Home Insurance in Maine

Your home is a major investment, and a good home insurance policy gives you the peace of mind knowing that you’re protecting that investment. But finding the right insurance policy can be a bit overwhelming, especially if you’re shopping for home insurance for the first time.

That’s why we’ve outlined the must-know details to help you find the best home insurance in Maine.

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Table of Contents

The Average Cost of Home Insurance in Maine

The average cost of home insurance in Maine is $1,407 per year for $300,000 in dwelling and liability coverage with a $1,000 deductible and a 2% hurricane deductible. Many factors impact the actual cost that you’ll pay, including the size and age of your house, your home’s value, and even the city in which you live.

Since crime rates, population densities, and average home values in a city impact insurance rates, the cost of home insurance in Maine is higher than average in some cities, and lower than average in others.

Maine CityAverage Cost of Home Insurance Per Year
Seboomook$1,634
Solon$1,628
Whiting$1,302
Union$1,296
Robbinston$1,283


The average cost of home insurance gives you an approximate idea of what you’ll pay, but since so many variables impact the cost, a personalized quote will give you the most accurate idea of your home insurance costs. You can easily request free home insurance quotes in Maine from ConsumerCoverage to get started.

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Coverage Options for Home Insurance in Maine

To best understand which home insurance policy is right for you, it’s important to know what’s included in each policy. Most home insurance in Maine will include these coverages:
  • Dwelling coverage applies to the structural elements of your home, including your roof, walls, and porch.
  • Other structures coverage helps to protect structures that aren’t attached to your home, like a shed or barn.
  • Personal property coverage applies to items that are inside your home, like furniture and electronics.
  • Personal liability coverage helps to protect you if another person is ever injured or has their property damaged while on your property.
  • Medical payments coverage helps to pay for any medical expenses that another person might have if they’re ever injured while on your property.
  • Loss of use coverage helps to pay for costs like a rental property or hotel room that you might have if your home is damaged and uninhabitable.
These standard coverages offer a good start, but depending on your home’s location and its unique risk factors, you might want to add on these optional coverages for more comprehensive protection:
  • Flood insurance: Most standard home insurance policies don’t cover flood damage. It’s a good idea to add on a separate flood policy if you’re in an area with a high risk of flooding.
  • Valuable items coverage: While your personal property coverage helps to cover the cost of damaged or stolen items, the policy limits might not fully cover more expensive items, like jewelry. Buying valuable items coverage means you’ll have higher limits, so your valuables can be fully covered.

How to Save Money on Home Insurance in Maine

You can save on home insurance in Maine in several ways. As you shop for insurance, look for an insurance provider that offers discounts if you bundle multiple policies, like a home insurance and car insurance policy. Some insurance providers also offer discounts if you install an alarm system in your home.

If you choose a high deductible policy, you can save money on your premium. Just keep in mind that you should set aside enough money to pay your deductible, just in case you ever have to file a claim.

Comparison shopping can help you to find the best deal, too. To get started, request a free homeowners insurance quote from ConsumerCoverage, so you can see how coverage options and policy prices stack up.

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Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.

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