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Home Owners Insurance Maine

Home Owners Insurance Maine

Maine is known as Vacationland. It’s the only place in the northeast that has true wilderness to explore. It has harsh winters, and harsh summers too with breaks in between for sunshine and fun. Maine has a beautiful rocky coastline that makes for great summer vacations as well as the terminus of the famous Appalachian Trail at Mount Katahdin. Over 80% of the place is covered in beautiful forests which leads it to be called The Pine Tree State. It is also the site of the only national park in New England, Acadia National Park. Maine is subject to some extreme weather so Home owners insurance Maine is an absolute necessity. Here’s what you need to consider for your home in Maine.


For some reason, similar to Vermont which is quite nearby, they have a problem with radon. 33% of the homes in Maine, yes that is ⅓, have too much radon which is a radioactive gas that is not too good for you. Radon levels in Maine are actually the highest all over the country so you should definitely make sure you are covered for that in case you need to make costly adjustments to keep your home safe from this gas which causes lung cancer. The unfortunate part is that it’s totally odorless and you can’t see it so you need to get radon detectors.


Maine has home insurance rates that range from about $1000 to $1300 per year. As you can see, there isn’t that big of a difference between the cheapest places and the most expensive place. Coastal regions don’t get as much snow but they have hurricanes and storms which balance it out. So, that’s why the whole state has a fairly even amount of home owners insurance Maine to pay. Presque Isle is the cheapest place in the whole state for home insurance. It’s a remote city of about 9000 and is one of the largest cities that far north in the US. As you can imagine the winters are long and cold and the summers are short and warm, but not hot. The second cheapest place is Livermore Falls. This is a small inland town of about 3000. 

Both of the most expensive places for home owners insurance Maine are coastal towns. First up clocking in at around $1300 per year is Blue Hill. It’s just outside of Acadia National Park and it is a lovely place close to the ocean. However, coastal usually means higher home insurance! The other most expensive place for this is Kennebunk, ME. This is a fun town on the coast that is known for picturesque vacation spots and seaside properties. It’s another place that shows you that living on the ocean is great but will cost you a bit in your home insurance.

Maine is served by many insurance companies that are national stars, but also by a few local ones which are quite interesting because local companies are great at predicting what people in a particular area truly need. Hanover and Concord Insurance Group are two smaller companies that serve the amazing people of Maine who need home insurance.