The Best Home Insurance in Maine for 2025

Amica and Chubb are among the best home insurance companies in Maine, according to our analysis.

We analyzed data from more than 30 insurance companies to help you find the best home insurance in Maine. Below are the insurers that earned 5 stars in our analysis.

Rates are based on a sample homeowner with good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

The best home insurance companies in Maine

Here's more information about the best homeowners insurance companies in Maine.

Amica stands out for its customer service and broad range of coverage options. The company has drawn far fewer consumer complaints to state regulators than expected for an insurer of its size, according to the National Association of Insurance Commissioners.

You can customize your policy with extra coverage above your dwelling limit, in case your house costs more to rebuild than expected. You may also want to add coverage for damage from water backups or recovery from identity theft.

» READ MORE: Amica homeowners insurance review

Chubb caters to owners of high-value homes and draws far fewer consumer complaints than expected for a company of its size, according to the NAIC. Its home insurance policies come with some great perks, including extended replacement cost coverage in case it costs more than your dwelling limit to rebuild your home after a disaster.

Chubb policyholders may also be able to take advantage of the company’s HomeScan service, which uses infrared cameras to look for problems behind the walls of your home.

» READ MORE: Chubb homeowners insurance review

USAA sells homeowners insurance to veterans, active military members and their families. If that description fits you, you may want to consider a USAA policy. That’s because the company’s homeowners insurance has certain features that other insurers may charge extra for.

For example, USAA automatically covers your personal belongings on a replacement cost basis. Many companies pay out only what your items are worth at the time of the claim, which means you may not get much for older items. USAA pays enough for you to buy brand-new replacements for your stuff.

» READ MORE: USAA homeowners insurance review

Other home insurance companies to consider

Looking for more of the best homeowners insurance companies in Maine? These insurers received a NerdWallet star rating of 4.5:

» MORE: The best home insurance companies

How much does homeowners insurance cost in Maine?

The average annual cost of home insurance in Maine is $1,075. That’s 44% less than the national average of $1,915.

In most U.S. states, including Maine, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.

In Maine, those with poor credit pay an average of $2,075 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 93% more than those with good credit.

» MORE: Does your credit score affect home insurance rates?

Average cost of homeowners insurance in Maine by city

How much you pay for homeowners insurance in Maine depends on where you live. For instance, the average cost of home insurance in Portland is $1,075 per year, while homeowners in Bangor pay $1,015 per year, on average.

» MORE: What’s the average cost of homeowners insurance?

The cheapest home insurance in Maine

Here are the insurers we found with average annual rates below the Maine average of $1,075.

» MORE: The cheapest homeowners insurance

Common risks for Maine homeowners

Here are a few of the most common risks Maine homeowners may face, along with steps you can take to insure your home against them.

Winter weather

Homeowners insurance generally covers winter storm damage, but some situations may require extra coverage. For instance, you’ll usually need a separate flood insurance policy to cover flood damage caused by snowmelt.

Flooding

Standard home insurance policies don’t cover flooding. As a result, homeowners in at-risk areas should consider buying separate flood insurance. Be aware that while you can purchase flood insurance at any time, there’s typically a 30-day waiting period before the coverage takes effect.

» MORE: Why you might need flood insurance, even if it's not required

Hurricanes and coastal storms

Most home insurance covers damage caused by storms, but you may have separate deductibles for hurricanes and wind.

Hurricane deductibles can be from 1% to 10% of your dwelling coverage limit, or sometimes they can be a flat fee. For example, your policy may have a $1,000 deductible for most claims and a 2% deductible for hurricane-related claims. If your home has $200,000 of dwelling coverage, you would be responsible for $4,000 before your insurance pays for the rest of the hurricane damage.

Remember that you’ll need a separate flood insurance policy to cover flood damage caused by coastal storms.

Wildfire

While home insurance typically covers fire damage, it’s essential to understand the limits of that coverage.

Residents of areas at higher risk of wildfire should read their policies closely to understand any exclusions. Pay particular attention to the dwelling coverage limit, which is how much the insurance company will pay to rebuild your house. Check with your insurer to ensure you have enough coverage to rebuild if necessary.

» MORE: Home insurance calculator: Estimate your rate

Maine insurance department

The Maine Bureau of Insurance oversees the state’s insurance industry and maintains a website with consumer resources on homeowners insurance.

If you need to file a complaint against your insurer, you can do so online or by mail. Contact the bureau with questions at 800-300-5000 or by email at [email protected].