{"id":324384,"date":"2025-11-10T16:50:10","date_gmt":"2025-11-10T21:50:10","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=84709"},"modified":"2025-11-12T13:46:26","modified_gmt":"2025-11-12T18:46:26","slug":"best-in-maine","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-maine\/","title":{"rendered":"Best Homeowners Insurance Companies in Maine in 2025"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"overview\" title=\"Overview\"><\/span>\n    \n\n\n<p>Maine homeowners still tend to pay less than many states for home insurance, but prices have climbed since 2021. The latest official benchmark from the <a href=\"https:\/\/content.naic.org\">NAIC<\/a> shows Maine\u2019s average homeowners expenditure remained under roughly $1,100 in 2022 (published 2024), while current shopping estimates for a standard policy are generally in the low-to-mid $1,000s for 2025. Finding the best company involves more than price: Reviews.com considered financial strength, coverage options, customer support, discounts, third\u2011party scores, and current market conditions. To help you find the <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best\/\" class=\"achor-toggles\">best homeowners insurance companies<\/a> in Maine, use this guide as a starting point and be sure to compare quotes from both national carriers and strong regional mutuals active in New England.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 4 Best Homeowners Insurance Companies in Maine&nbsp;<\/h2>\n\n\n\n<p>We started our search using the most recent official benchmark for Maine (NAIC 2022 average expenditure) and 2025 market-based estimates from sources that model active quotes, including <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and the <a href=\"https:\/\/www.policygenius.com\">Policygenius Home Insurance Pricing Report<\/a>. To present well-rounded options, we also reviewed financial strength, available endorsements, discounts, and third-party scores like <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">J.D. Power\u2019s 2024 U.S. Home Insurance Study<\/a>. These four companies rose to the top within our framework; however, always include regional mutuals in your quote set and consult the <a href=\"https:\/\/www.maine.gov\">Maine Bureau of Insurance market share reports<\/a> to identify active writers near you.<\/p>\n\n\n\n<ul>\n<li><a href=\"#allstate\" rel=\"nofollow\" class=\"achor-toggles\"><strong>Allstate<\/strong><\/a><strong>: <\/strong>Best for New Homes<\/li>\n\n\n\n<li><a href=\"#nationwide\" rel=\"nofollow\" class=\"achor-toggles\"><strong>Nationwide<\/strong><\/a><strong>: <\/strong>Best for Personalized Coverage<\/li>\n\n\n\n<li><a href=\"#state-farm\" rel=\"nofollow\" class=\"achor-toggles\"><strong>State Farm<\/strong><\/a><strong>:<\/strong> Best for Local Agents<\/li>\n\n\n\n<li><a href=\"#travelers\" rel=\"nofollow\" class=\"achor-toggles\"><strong>Travelers<\/strong><\/a><strong>: <\/strong>Best for Discounts<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"comparison\" title=\"Comparison Table\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Compare the Best Home Insurance Companies in Maine<\/h2>\n\n\n\n<p>These four companies are among the best in the state based on our research methodology. However, market conditions have shifted, premiums have risen, and you may find that another carrier \u2014 including a regional mutual \u2014 best fits your needs and budget. Clarifying what you want in a home insurance company and shopping broadly could help you find the best option for you.<\/p>\n\n\n\t\t\n<section id=\"block_62b37f84fdd7a\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\"><\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAverage Annual Premium*\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM Best\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D. Power**\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_62b37f84fdd7a-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Allstate<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,122<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>829\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_62b37f84fdd7a-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Nationwide<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$904<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>812\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_62b37f84fdd7a-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">State Farm<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,032<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>835\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_62b37f84fdd7a-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Travelers<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$699<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>800\/1,000<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>Information updated in 2025. Official statewide benchmark reflects NAIC\u2019s 2022 average homeowners expenditure (published 2024); market-based averages reflect 2025 quoting conditions.<\/em><\/p>\n\n\n\n<p><em>*Modeled premium estimates for Maine are available from <\/em><a href=\"https:\/\/www.bankrate.com\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\"><em>Bankrate.com<\/em><\/a><em> (2025) for a standard coverage profile; methodology differs from NAIC\u2019s average expenditure metric.<\/em><\/p>\n\n\n\n<p><em>**J.D. Power\u2019s <\/em><a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\"><em>2024 U.S. Home Insurance Study<\/em><\/a><em>. Based on a 1,000-point scale.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"allstate\" title=\"Best for New Homes\"><\/span>\n    \n\n                                                \n\n\n<section id=\"allstate\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Allstate<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for New Homes<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Allstate\u2019s average premium may be a bit higher than the state average, but the company offers several discounts, including savings for new homebuyers.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/d.agkn.com\/pixel\/2267\/?che=[cachebuster]&#038;col=345361,859480,11659822&#038;l1=https:\/\/www.allstate.com\/landingpages\/lsp\/Affiliate-home-desktop.html?CID=AFF-REV-HO-074205-200616&#038;campaign=444490000074205&#038;clickid={clickid}&#038;source={irpid}&#038;subsource={sharedid}&#038;IRCmpID={ircid}&#038;rvitemid=325257-20\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,122*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">829**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Allstate\u2019s average premium may be a bit higher than the state average, but the company offers several discounts, including savings for new homebuyers.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Numerous discount opportunities<\/li>\n                            <li>Informative website and digital tools<\/li>\n                            <li>Above-average J.D Power customer service score<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Higher-than-average premium<\/li>\n                                    <li>Higher-than-average <a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&#038;COCODE=17230&#038;:refresh\" rel=\"noopener\" target=\"_blank\">NAIC complaint index<\/a><\/li>\n                                    <li>Below-average <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2021-us-auto-claims-satisfaction-study\" rel=\"noopener\" target=\"_blank\">J.D. Power claims satisfaction score<\/a><\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">TYPES OF COVERAGE OFFERED<\/h4>\n                <div> <ul>\n<li>Auto<\/li>\n<li>Motorcycle<\/li>\n<li>Renters<\/li>\n<li>Life<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Early signing discount<\/li>\n<li>Home buyer discount<\/li>\n<li>Welcome and loyalty<\/li>\n<li>Claims-free<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"nationwide\" title=\"Best for Personalized Coverage\"><\/span>\n    \n\n                                                \n\n\n<section id=\"nationwide\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Nationwide<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Personalized Coverage<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                With a low average premium and plenty of options for customization, Nationwide could appeal to those looking for affordable, personalized home insurance.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=316830-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$904*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">812**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                With a low average premium and plenty of options for customization, Nationwide could appeal to those looking for affordable, personalized home insurance.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Numerous endorsement options<\/li>\n                            <li>Low average premium<\/li>\n                            <li>Unique discounts<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Lower-than-average J.D. Power customer satisfaction score<\/li>\n                                    <li>Lower-than-average J.D. Power claims satisfaction score<\/li>\n                                    <li>Higher-than-average <a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&#038;COCODE=23787&#038;:refresh\" rel=\"noopener\" target=\"_blank\">NAIC complaint index<\/a><\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">TYPES OF COVERAGE OFFERED<\/h4>\n                <div> <ul>\n<li>Auto<\/li>\n<li>Classic car<\/li>\n<li>Boat<\/li>\n<li>Golf cart<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Home renovation credit<\/li>\n<li>Prior insurance<\/li>\n<li>Gated community<\/li>\n<li>Smart home<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"state-farm\" title=\"Best for Local Agents\"><\/span>\n    \n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Local Agents<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                For Maine homeowners who like to handle their home insurance needs in person, State Farm could be a good choice. With agents across the state of Maine, finding a local agent could be easy.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=331752-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,032*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">835**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                For Maine homeowners who like to handle their home insurance needs in person, State Farm could be a good choice. With agents across the state of Maine, finding a local agent could be easy.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Local agents available<\/li>\n                            <li>High J.D. Power customer satisfaction scores<\/li>\n                            <li>Superior AM Best financial strength rating<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Above-average premium<\/li>\n                                    <li>Fewer discounts than many competitors<\/li>\n                                    <li>Higher-than-average <a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&#038;COCODE=25143&#038;:refresh\" rel=\"noopener\" target=\"_blank\">NAIC complaint index<\/a><\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">TYPES OF COVERAGE OFFERED<\/h4>\n                <div> <ul>\n<li>Motorcycle<\/li>\n<li>Off-road vehicle<\/li>\n<li>Manufactured home<\/li>\n<li>Business<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Multi-line<\/li>\n<li>Home security<\/li>\n<li>Roofing materials<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"travelers\" title=\"Best for Discounts\"><\/span>\n    \n\n                                                \n\n\n<section id=\"travelers\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Travelers<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Discounts<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Travelers has the lowest average annual premium on our list, potentially due to the company\u2019s long list of discounts.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/quotes\/?rvitemid=331696-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$699*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">800**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Travelers has the lowest average annual premium on our list, potentially due to the company\u2019s long list of discounts.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Numerous discount opportunities<\/li>\n                            <li>Several endorsements for policy personalization<\/li>\n                            <li>Superior AM Best financial strength rating<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Lowest J.D. Power customer satisfaction rating on our list<\/li>\n                                    <li>Below-average J.D. Power claims satisfaction rating<\/li>\n                                    <li>Does not insure mobile or manufactured homes<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">TYPES OF COVERAGE OFFERED<\/h4>\n                <div> <ul>\n<li>Auto<\/li>\n<li>Landlord<\/li>\n<li>Umbrella<\/li>\n<li>Pet<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Green home<\/li>\n<li>Loss-free<\/li>\n<li>Protective device<\/li>\n<li>Home buyer<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>*Modeled premium estimates for Maine are available from <\/em><a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a><em> (2025); figures vary by coverage profile and are not directly comparable to NAIC average expenditures.<\/em><\/p>\n\n\n\n<p><em>**J.D. Power\u2019s 2024 U.S. Home Insurance Study. Based on a 1,000-point scale.&nbsp;<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"average-cost\" title=\"Average Cost\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Average Cost of Homeowners Insurance in Maine<\/h2>\n\n\n\n<p>The latest official benchmark shows Maine\u2019s average homeowners insurance expenditure remained under roughly $1,100 in 2022, per the <a href=\"https:\/\/content.naic.org\">NAIC Homeowners Insurance Report<\/a> (released 2024). For today\u2019s shopping environment, modeled estimates indicate typical annual premiums for a standard owner-occupied policy in Maine are now generally in the <strong>$1,200\u2013$1,500<\/strong> range, depending on coverage and location, according to <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> (2025) and the <a href=\"https:\/\/www.policygenius.com\">Policygenius Home Insurance Pricing Report<\/a> (2025). Maine remains on the lower end of costs nationally, but premiums have risen due to higher reconstruction costs, recent storm losses, and reinsurance pressures noted by regulators in <a href=\"https:\/\/content.naic.org\">NAIC\u2019s 2024 report<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Top 3 Cheapest Homeowners Insurance Companies in Maine&nbsp;(quotes vary by profile)<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Typical Annual Premium*<\/strong><\/td><\/tr><tr><td>Vermont Mutual<\/td><td>Often among the lower-priced options in Maine; verify with 2025 quotes<\/td><\/tr><tr><td>Concord Group<\/td><td>Frequently competitive; premiums vary by home and location<\/td><\/tr><tr><td>Travelers<\/td><td>Commonly low-to-mid $1,000s depending on coverage and discounts<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Data sources and context: Official statewide benchmark is NAIC\u2019s 2022 average expenditure; current-modeled averages from <\/em><a href=\"https:\/\/www.bankrate.com\">Bankrate (2025)<\/a><em> and the <\/em><a href=\"https:\/\/www.policygenius.com\">Policygenius Pricing Report (2025)<\/a><em>. Methods and coverage profiles differ.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Top 3 Most Expensive Homeowners Insurance Companies in Maine (varies by profile)<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Typical Annual Premium*<\/strong><\/td><\/tr><tr><td>The Hanover<\/td><td>Varies; can trend above statewide modeled averages for some homes<\/td><\/tr><tr><td>Chubb<\/td><td>High-value focus; premiums often higher than standard market for similar limits<\/td><\/tr><tr><td>Quincy Mut Grp<\/td><td>Varies by profile; may price above average depending on location and features<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Data sources and context: NAIC 2022 average expenditure (official benchmark) and 2025 modeled quotes from <\/em><a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a><em> and the <\/em><a href=\"https:\/\/www.policygenius.com\">Policygenius Pricing Report<\/a><em>; individual quotes vary significantly.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"key-things\" title=\"Key Things to Know\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Key Things to Know About Home Insurance in Maine<\/h2>\n\n\n\n<p>Maine remains relatively affordable for homeowners insurance, but water- and wind-related risks are trending upward. State guidance recommends planning for about 1.5 feet of sea level rise by 2050 with higher scenarios by 2100 (<a href=\"https:\/\/www.maine.gov\">Maine Climate Council<\/a>), and <a href=\"https:\/\/nca2023.globalchange.gov\">NOAA<\/a> expects more frequent high\u2011tide flooding along the Northeast coast. The Northeast has seen roughly a 60% increase in the heaviest precipitation events since 1958 (<a href=\"https:\/\/nca2023.globalchange.gov\">NCA5<\/a>), contributing to inland and riverine flooding; multiple severe storms in late 2023 and early 2024 led to FEMA disaster declarations in Maine (<a href=\"https:\/\/www.fema.gov\">FEMA<\/a>). Winter nor\u2019easters and strong winds continue to drive losses, influenced by a warming Gulf of Maine. Knowing your risk and preparing accordingly can help reduce damage and improve insurability.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Home Insurance Coverage Options<\/h3>\n\n\n\n<p>Many homeowners need more protection than a base HO-3 policy provides. In recent years, insurers have emphasized risk\u2011reduction and more granular terms (for example, separate wind or named\u2011storm deductibles and tighter roof-loss settlement on older roofs). Maine insurers offer a variety of optional coverages that may be worth considering:<\/p>\n\n\n\n<ul>\n<li><strong>Scheduled personal property coverage:<\/strong> If you have valuable jewelry, fine arts, collectibles or antiques, consider scheduling them for broader protection and a lower deductible.<\/li>\n\n\n\n<li><strong>Identity theft protection: <\/strong>Many insurers now bundle identity theft with personal cyber features (such as data restoration or cyber extortion response); verify limits and services. See background on personal cyber from the <a href=\"https:\/\/www.iii.org\/article\/personal-cyber-insurance\">Insurance Information Institute<\/a>.<\/li>\n\n\n\n<li><strong>Flood insurance: <\/strong>Standard home insurance policies do not cover damages caused by floods. For that, you\u2019ll likely need a separate <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/what-is-flood-insurance\/\">flood insurance policy<\/a>, available through the NFIP or a private flood insurer; Maine\u2019s consumer guide explains options and eligibility (<a href=\"https:\/\/www.maine.gov\">Maine Bureau of Insurance<\/a>).<\/li>\n<\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Frequently Asked Questions\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n<div id=\"block_62b380b3fdd95\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How do I find the best home insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>The first step is to understand what you want and need from a policy. Do you want a company that has a strong digital app or local agents? Are you looking for certain coverages or discounts? Does your home have unique features that need additional coverage? Once you know your needs, do some research to find a handful of companies that could meet them. You can gather quotes and compare prices, discounts, coverages, features, and third-party scores to find the right company for you.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_62b380cffdd96\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Is homeowners insurance required in Maine?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>Maine law doesn\u2019t require you to buy home insurance, but if you finance a property, your lender will probably require that you have a policy. Even if you own your home outright, home insurance is generally a good purchase. A proper home insurance policy provides you with a financial safety net in the event of sudden or accidental damage.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_62b380e5fdd97\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How do I find cheap homeowners insurance in Maine?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>Maine\u2019s average cost for home insurance is generally lower than the national average, but there are a few strategies you can use to potentially lower your rate. Shopping around and comparing quotes could help you find a lower price, as could taking advantage of discounts. Choosing endorsements wisely can also be helpful. While many add-ons offer valuable coverage, if you have an endorsement on your policy that you aren\u2019t using, you could talk with an agent and consider removing it.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>We evaluated companies using current third\u2011party ratings for customer experience, financial stability, and coverage options, and we incorporated both the latest official statewide benchmark (NAIC 2022 average expenditure) and 2025 modeled quotes to reflect today\u2019s shopping conditions.&nbsp;<\/p>\n\n\n\n<p>To compare home insurance companies across the board, we considered the following factors:<\/p>\n\n\n\n<ul>\n<li>Customer Ratings \u2014 We referenced <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-home-insurance-study\">J.D. Power\u2019s 2024 U.S. Home Insurance Study<\/a> for an indication of satisfaction with overall experience.<\/li>\n\n\n\n<li>Coverage \u2014 Because no single company fits everyone\u2019s needs, we emphasized the breadth of coverage options and add-ons available.&nbsp;<\/li>\n\n\n\n<li>Confidence \u2014 We reviewed financial strength, prioritizing carriers with strong AM Best ratings.<\/li>\n\n\n\n<li>Customer Experience \u2014 We considered complaint activity as a proxy for experience using the <a href=\"https:\/\/content.naic.org\">NAIC Consumer Complaint Index<\/a>.<\/li>\n<\/ul>\n\n\n\n<p>Pricing context draws on NAIC\u2019s 2022 statewide average expenditure (released 2024) and 2025 modeled averages from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a> and the <a href=\"https:\/\/www.policygenius.com\">Policygenius Pricing Report<\/a>. These are sample figures for comparison only; your quotes will vary.<\/p>\n\n\n\n<p>The coverage limits for home insurance rates reflect the following coverage and limits:<\/p>\n\n\n\n<ul>\n<li>Coverage A, Dwelling: $250,000<\/li>\n\n\n\n<li>Coverage B, Other Structures: $25,000<\/li>\n\n\n\n<li>Coverage C, Personal Property: $125,000<\/li>\n\n\n\n<li>Coverage D, Loss of Use: $50,000<\/li>\n\n\n\n<li>Coverage E, Liability: $300,000<\/li>\n\n\n\n<li>Coverage F, Medical Payments: $1,000<\/li>\n<\/ul>\n\n\n\n<p>The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required). In coastal areas, percentage-based wind or named\u2011storm deductibles are increasingly common; verify triggers and calculations (see <a href=\"https:\/\/www.iii.org\/article\/windstorm-insurance-and-hurricane-deductibles\">windstorm and hurricane deductibles<\/a>).<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Maine homeowners still tend to pay less than many states for home insurance, but prices have climbed since 2021. The latest official benchmark from the NAIC shows Maine\u2019s average homeowners expenditure remained under roughly $1,100 in 2022 (published 2024), while current shopping estimates for a standard policy are generally in the low-to-mid $1,000s for 2025. [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":345311,"parent":1691,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"page-templates\/template-refresh.php","meta":[],"categories":[1268],"tags":[],"post_author":[27908],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>The Best Maine Homeowners Insurance Company 2025 | Reviews.com<\/title>\n<meta name=\"description\" content=\"To find Maine&#039;s best homeowners insurance companies, we vetted through factors like financial strength, coverages, customer support, discounts and price.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/homeowners\/best-in-maine\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" 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