Homeowners insurance built around the rebuild
Old capes, shingle-style cottages and new builds in Falmouth. We price what it takes to put your house back, not what it would sell for.
Sample premiums from $96 a month. Sample figures for illustration.
How we approach homeowners coverage
Most Maine homes are underinsured by the same mistake: the dwelling limit was set years ago from a purchase price or a tax assessment. Labor and lumber in Cumberland County cost far more than they did in 2019, and older homes with plaster walls, slate or custom trim cost more again. We start every homeowners quote with a replacement cost estimate, room by room if we need to.
From there we compare several carriers for the same limits, and we talk through the parts that matter on the coast: wind and hail deductibles, water backup from a failed sump, ice dams, and whether you need separate flood coverage. You get a clear side-by-side, and a person who will still be here when you call with a claim.
How a quote comes together
Most homeowners quotes take one conversation and a day or two of comparison.
A 15-minute conversation
Square footage, roof age, heating system, updates and anything unusual such as a woodstove or a home business.
Replacement cost estimate
We build a rebuild estimate using construction costs for your town and the materials your home actually has.
Carrier comparison
We quote the same limits and deductibles with several companies so the comparison is honest.
Review and bind
We walk through the differences, you choose, and coverage can start the same day.
What moves the price
These factors carry the most weight with the carriers we represent. We explain each one on your quote.
Roof age and material
A roof under 15 years old or a metal roof often earns the biggest credit.
Distance to the water
Homes within a mile of the coast may carry a separate wind or named storm deductible.
Heating system
Updated oil, propane or heat pump systems price better than older boilers or primary woodstoves.
Claims history
Water and wind claims in the last five years affect price more than most other losses.
Bundling
Pairing home with auto or an umbrella usually lowers the combined cost.
Why neighbors choose an independent agent
- Estimates that hold up
- Replacement cost estimates reviewed every renewal, so inflation does not quietly leave you short.
- One agent for every carrier
- If your company raises rates sharply, we can remarket without you starting over.
- Storm-season help
- After a nor'easter we call clients in the hardest-hit towns before they call us.
- Plain-language reviews
- We explain exclusions such as flood and gradual leaks before you need to know about them.
Often paired with homeowners
All coverage
Personal umbrella
An extra $1 million or more of liability above your home, auto and boat policies.
Sample premiums from $26 a month for $1M
Auto
From Maine's minimum limits to full coverage, with help that goes past the phone number on your ID card.
Sample premiums from $78 a month
Condo
Walls-in coverage that fills the gaps your association's master policy leaves behind.
Sample premiums from $32 a month
Homeowners questions
No. Standard homeowners policies exclude flood from rising water. Flood coverage is a separate policy through the National Flood Insurance Program or a private carrier, and we quote both.
Water damage inside the home caused by an ice dam is usually covered as a sudden loss. The cost of removing the ice itself, or repairing a roof that failed from wear, generally is not.
Enough to rebuild the house at today's local construction costs, which is often different from the purchase price. We calculate this with you and review it at each renewal.
It can, especially if it is the primary heat source. A professionally installed stove with a recent chimney inspection is usually acceptable to most carriers we represent.
Compare homeowners quotes in one call
Tell us what you need to protect. A licensed agent on Fore Street shops it, explains it, and sends a clear side-by-side, usually within one business day.
No obligation. Licensed agents. Coverage subject to policy terms.