Best Maine Homeowners Insurance for 2026
State Farm is our favorite overall, but Concord Group has great coverage options
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- State Farm offers the best home insurance in Maine for most homeowners, thanks to its low rates and solid coverage options.
- Homeowners insurance in Maine costs an average of $1,433 per year for $400,000 of dwelling coverage. That’s 45% lower than the national average.
- While home insurance rates have gone up, the state hasn’t experienced many of the major natural disasters that have driven costs up elsewhere in the country.
Best homeowners insurance in Maine
State Farm is our top pick for home insurance in Maine for its low average rates, solid coverage options and online tools. For those who would prefer to work with a smaller, local company, Vermont Mutual offers excellent customer service along with the cheapest average rates in the state.
Other insurers in Maine have specific features that some homeowners may prioritize over others, like offering the best range of coverage options or discount opportunities.
Best overall: State Farm
Average annual rate: $807
Why we chose it: State Farm is the nation’s top home insurer, and it offers some of the lowest home insurance rates in Maine. Plus, it has a range of practical add-ons, including water and sump pump backup coverage and an easy-to-use, highly rated app for quick account management from your smartphone. State Farm also scores well in customer satisfaction in the 2025 U.S. Home Insurance Study by J.D. Power.
Who it’s best for: Homeowners looking for a well-known insurer with low rates, solid coverage options and convenient, user-friendly digital tools.
PROS
- Offers some of the lowest rates in Maine
- Many local agents available for personalized assistance
- Financially strong insurer
CONS
- Some competitors offer more discounts
- Vermont Mutual can be cheaper
- Gets more customer complaints than other companies its size
Best regional insurance company: Vermont Mutual
Average annual rate: $799
Why we chose it: Vermont Mutual offers the cheapest average annual rate in Maine, and as a smaller, regional company, it may be more familiar with the unique underwriting risks for the area of the state you live in. The company also earned some of the highest marks for customer service. It doesn’t offer the ease of a mobile app, though it does have a simple web portal where you can make payments online.
Who it’s best for: Mainers who want affordable coverage, who like personalized agent assistance and who don’t prioritize digital account management.
PROS
- Very few customer complaints
- Cheap average premiums
CONS
- No online quotes or mobile app
- Must work with agent
Best for coverage options: Concord Group
Average annual rate: $988
Why we chose it: Concord Group earned our highest star rating among Maine insurers we reviewed, and it has the third-lowest average premiums. Its selection of unique coverages helps make it stand out. For example, it offers guaranteed replacement cost coverage, which pays to repair or rebuild your home even if it exceeds your dwelling coverage limit. Homeowners can also opt for green home coverage to retrofit their homes with eco-friendly materials. The company also gets a complaint rating of zero from the National Association of Insurance Commissioners (NAIC)
Who it’s best for: Homeowners looking for affordable rates, a range of coverage options and a highly reputable insurer.
PROS
- Great selection of add-on coverages
- Competitive number of discount opportunities
- Excellent customer service
CONS
- No option for online quotes
- Limited number of agents in some parts of Maine
Best discounts: Farmers
Average annual rate: $1,301
Why we chose it: While there are other companies in Maine that are cheaper than Farmers, its average annual rate is still slightly below the state average, and with its wide range of discounts, you can bring your costs down even more. Farmers discounts include reduced rates if you pay your bills on time consistently, have green or smart home features, or put on a new roof.
Who it’s best for: Homeowners who are eligible for multiple discounts that can make the annual costs more competitive with others.
PROS
- Homeowners have at least a dozen ways to lower their rates
- Gets 30% fewer customer complaints than average
CONS
- Premiums are typically higher than a few other competitors
- Financial strength is not as robust as State Farm or Vermont Mutual
Compare home insurance rates and ratings in Maine
| Company | Annual rate* | LendingTree rating | Complaint rating* | |
|---|---|---|---|---|
| Vermont Mutual | $799 | 4/5 | 0.1 |
| State Farm | $807 | 4/5 | 1.4 |
| Concord | $988 | 5/5 | 0.0 |
 | Frankenmuth | $1,265 | N/A | 0.1 |
 | Farmers | $1,301 | 3.5/5 | 0.7 |
 | Allstate | $1,468 | 4/5 | 1.2 |
 | MMG | $1,748 | N/A | N/A |
 | Quincy Mutual | $2,007 | 3.5/5 | 0.0 |
In Maine, rates can vary significantly between insurers — comparing multiple options can help you find better pricing and coverage.
LendingTree analyzed home insurance quotes from every Maine ZIP code to identify the best options for you.
Our team evaluated pricing, customer experience, financial reliability and coverage features to determine the top home insurance companies in your state.
See our full methodology.
How much is homeowners insurance in Maine?
The average cost of home insurance in Maine is $1,433, which comes to around $119 per month.
That’s well below the national average cost of $2,628 per year, or $219 per month, helped by Maine’s lower exposure to extreme weather disasters compared to many other states.
Average home insurance rates by dwelling coverage amount
Several factors determine home insurance premiums, including how much dwelling coverage
| Company | $300,000 | $400,000 | $550,000 | $750,000 |
|---|---|---|---|---|
| Vermont Mutual | $613 | $799 | $1,079 | $1,452 |
| State Farm | $694 | $807 | $955 | $1,137 |
| Concord | $825 | $988 | $1,343 | $1,770 |
| Farmers | $1,025 | $1,301 | $1,840 | $2,609 |
| State average | $1,137 | $1,433 | $1,945 | $2,611 |
Maine home insurance rates by city
Home insurance rates in Maine don’t vary too much across the state’s cities and towns. The least expensive average annual rate is $1,278, in the town of Greenbush, while the most expensive is $1,710, on the sparsely populated Cliff Island, which is off the coast of Portland.
Cliff Island is remote and more susceptible to damaging nor’easter weather events, which can drive the costs of insurance up. Other expensive towns, Princeton and Pembroke, are located in rural Washington County and may be further away from fire emergency response, which is another important factor when insurance companies set rates.
Greenbush and the next two cheapest towns in Maine, Burlington and Charleston, likely benefit from being more inland with less risk for coastal storm damage. These areas are also low in crime, which can keep their rates lower.
| City | Average rate |
|---|---|
| Abbot | $1,567 |
| Acton | $1,529 |
| Addison | $1,608 |
| Albion | $1,456 |
| Alfred | $1,537 |
| Alna | $1,484 |
| Andover | $1,458 |
| Anson | $1,528 |
| Ashland | $1,341 |
| Athens | $1,527 |
| Auburn | $1,313 |
| Augusta | $1,338 |
| Aurora | $1,464 |
| Bailey Island | $1,667 |
| Bangor | $1,319 |
| Bar Harbor | $1,466 |
| Bar Mills | $1,505 |
| Bass Harbor | $1,512 |
| Bath | $1,492 |
| Beals | $1,620 |
| Belfast | $1,511 |
| Belgrade | $1,452 |
| Belgrade Lakes | $1,414 |
| Benedicta | $1,371 |
| Bernard | $1,512 |
| Berwick | $1,629 |
| Bethel | $1,471 |
| Biddeford | $1,548 |
| Biddeford Pool | $1,546 |
| Bingham | $1,534 |
| Birch Harbor | $1,513 |
| Blaine | $1,332 |
| Blue Hill | $1,426 |
| Boothbay | $1,527 |
| Boothbay Harbor | $1,529 |
| Bowdoin | $1,585 |
| Bowdoinham | $1,515 |
| Bradford | $1,403 |
| Bradley | $1,339 |
| Bremen | $1,551 |
| Brewer | $1,318 |
| Bridgewater | $1,368 |
| Bridgton | $1,544 |
| Bristol | $1,517 |
| Brooklin | $1,444 |
| Brooks | $1,526 |
| Brooksville | $1,456 |
| Brookton | $1,644 |
| Brownfield | $1,426 |
| Brownville | $1,558 |
| Brownville Junction | $1,549 |
| Brunswick | $1,577 |
| Brunswick Station | $1,558 |
| Bryant Pond | $1,480 |
| Buckfield | $1,482 |
| Bucksport | $1,527 |
| Burlington | $1,280 |
| Burnham | $1,532 |
| Bustins Island | $1,594 |
| Buxton | $1,547 |
| Calais | $1,617 |
| Cambridge | $1,620 |
| Camden | $1,451 |
| Canaan | $1,624 |
| Canton | $1,486 |
| Cape Elizabeth | $1,483 |
| Cape Neddick | $1,607 |
| Cape Porpoise | $1,561 |
| Caratunk | $1,584 |
| Caribou | $1,313 |
| Carmel | $1,322 |
| Casco | $1,534 |
| Castine | $1,445 |
| Center Lovell | $1,404 |
| Chamberlain | $1,562 |
| Charleston | $1,282 |
| Chebeague Island | $1,593 |
| Cherryfield | $1,569 |
| China Village | $1,505 |
| Chisholm | $1,463 |
| Clayton Lake | $1,354 |
| Cliff Island | $1,710 |
| Clinton | $1,461 |
| Columbia Falls | $1,570 |
| Coopers Mills | $1,482 |
| Corea | $1,519 |
| Corinna | $1,380 |
| Corinth | $1,398 |
| Cornish | $1,606 |
| Cousins Island | $1,553 |
| Cranberry Isles | $1,520 |
| Crouseville | $1,367 |
| Cumberland Center | $1,598 |
| Cumberland Foreside | $1,556 |
| Cushing | $1,524 |
| Cutler | $1,600 |
| Damariscotta | $1,481 |
| Danforth | $1,590 |
| Danville | $1,355 |
| Deer Isle | $1,489 |
| Denmark | $1,454 |
| Dennysville | $1,572 |
| Detroit | $1,636 |
| Dexter | $1,435 |
| Dixfield | $1,464 |
| Dixmont | $1,374 |
| Dover-Foxcroft | $1,458 |
| Dresden | $1,510 |
| Dryden | $1,466 |
| Durham | $1,353 |
| Eagle Lake | $1,363 |
| East Andover | $1,462 |
| East Baldwin | $1,540 |
| East Blue Hill | $1,475 |
| East Boothbay | $1,560 |
| East Dixfield | $1,466 |
| East Livermore | $1,372 |
| East Machias | $1,426 |
| East Millinocket | $1,357 |
| East Newport | $1,385 |
| East Orland | $1,504 |
| East Parsonsfield | $1,586 |
| East Poland | $1,346 |
| East Vassalboro | $1,451 |
| East Waterboro | $1,573 |
| East Wilton | $1,466 |
| East Winthrop | $1,357 |
| Easton | $1,376 |
| Eastport | $1,460 |
| Eddington | $1,354 |
| Edgecomb | $1,513 |
| Eliot | $1,600 |
| Ellsworth | $1,440 |
| Estcourt Station | $1,365 |
| Etna | $1,438 |
| Eustis | $1,512 |
| Exeter | $1,426 |
| Fairfield | $1,555 |
| Falmouth | $1,453 |
| Falmouth Foreside | $1,451 |
| Farmingdale | $1,347 |
| Farmington | $1,551 |
| Farmington Falls | $1,547 |
| Fort Fairfield | $1,330 |
| Fort Kent | $1,345 |
| Fort Kent Mills | $1,388 |
| Frankfort | $1,521 |
| Franklin | $1,479 |
| Freedom | $1,521 |
| Freeport | $1,527 |
| Frenchboro | $1,497 |
| Frenchville | $1,354 |
| Friendship | $1,528 |
| Fryeburg | $1,430 |
| Gardiner | $1,347 |
| Garland | $1,340 |
| Georgetown | $1,586 |
| Gorham | $1,438 |
| Gouldsboro | $1,465 |
| Grand Isle | $1,304 |
| Grand Lake Stream | $1,453 |
| Gray | $1,515 |
| Greenbush | $1,278 |
| Greene | $1,427 |
| Greenville | $1,431 |
| Greenville Junction | $1,555 |
| Greenwood | $1,404 |
| Guilford | $1,471 |
| Hallowell | $1,308 |
| Hampden | $1,366 |
| Hancock | $1,488 |
| Hanover | $1,461 |
| Harborside | $1,471 |
| Harmony | $1,534 |
| Harpswell | $1,561 |
| Harrington | $1,440 |
| Harrison | $1,526 |
| Hartland | $1,538 |
| Hebron | $1,450 |
| Hinckley | $1,513 |
| Hiram | $1,486 |
| Holden | $1,431 |
| Hollis Center | $1,561 |
| Hope | $1,387 |
| Houlton | $1,309 |
| Howland | $1,360 |
| Hudson | $1,389 |
| Hulls Cove | $1,479 |
| Island Falls | $1,329 |
| Isle Au Haut | $1,479 |
| Isle of Springs | $1,547 |
| Islesboro | $1,474 |
| Islesford | $1,487 |
| Jackman | $1,475 |
| Jay | $1,462 |
| Jefferson | $1,492 |
| Jonesboro | $1,564 |
| Jonesport | $1,566 |
| Kenduskeag | $1,392 |
| Kennebunk | $1,566 |
| Kennebunkport | $1,564 |
| Kents Hill | $1,394 |
| Kingfield | $1,524 |
| Kingman | $1,404 |
| Kittery | $1,570 |
| Kittery Point | $1,646 |
| Lagrange | $1,350 |
| Lake Arrowhead | $1,629 |
| Lambert Lake | $1,640 |
| Lebanon | $1,599 |
| Lee | $1,351 |
| Leeds | $1,379 |
| Levant | $1,382 |
| Lewiston | $1,333 |
| Liberty | $1,469 |
| Limerick | $1,622 |
| Limestone | $1,336 |
| Limington | $1,618 |
| Lincoln | $1,386 |
| Lincolnville | $1,525 |
| Lincolnville Center | $1,527 |
| Lisbon | $1,370 |
| Lisbon Falls | $1,370 |
| Litchfield | $1,370 |
| Little Deer Isle | $1,504 |
| Little Falls | $1,441 |
| Livermore | $1,379 |
| Livermore Falls | $1,385 |
| Long Island | $1,559 |
| Lovell | $1,463 |
| Lubec | $1,436 |
| Machias | $1,431 |
| Machiasport | $1,433 |
| Madawaska | $1,291 |
| Madison | $1,488 |
| Manchester | $1,392 |
| Mapleton | $1,339 |
| Mars Hill | $1,344 |
| Matinicus | $1,459 |
| Mattawamkeag | $1,372 |
| Mechanic Falls | $1,394 |
| Meddybemps | $1,421 |
| Medway | $1,457 |
| Mexico | $1,430 |
| Milbridge | $1,566 |
| Milford | $1,352 |
| Millinocket | $1,379 |
| Milo | $1,450 |
| Minot | $1,386 |
| Monhegan | $1,446 |
| Monmouth | $1,407 |
| Monroe | $1,533 |
| Monson | $1,433 |
| Monticello | $1,366 |
| Moody | $1,600 |
| Morrill | $1,521 |
| Mount Desert | $1,511 |
| Mount Vernon | $1,430 |
| Naples | $1,518 |
| New Gloucester | $1,548 |
| New Harbor | $1,543 |
| New Limerick | $1,365 |
| New Portland | $1,574 |
| New Sharon | $1,567 |
| New Sweden | $1,365 |
| New Vineyard | $1,569 |
| Newcastle | $1,479 |
| Newport | $1,373 |
| Newry | $1,384 |
| Nobleboro | $1,486 |
| Norridgewock | $1,487 |
| North Anson | $1,547 |
| North Berwick | $1,548 |
| North Bridgton | $1,469 |
| North Haven | $1,429 |
| North Jay | $1,455 |
| North Monmouth | $1,384 |
| North Turner | $1,398 |
| North Vassalboro | $1,503 |
| North Waterboro | $1,631 |
| North Waterford | $1,545 |
| North Windham | $1,477 |
| North Yarmouth | $1,514 |
| Northeast Harbor | $1,528 |
| Norway | $1,422 |
| Oakfield | $1,326 |
| Oakland | $1,447 |
| Ocean Park | $1,610 |
| Ogunquit | $1,580 |
| Old Orchard Beach | $1,605 |
| Old Town | $1,351 |
| Oquossoc | $1,512 |
| Orient | $1,374 |
| Orland | $1,507 |
| Orono | $1,341 |
| Orrington | $1,356 |
| Orrs Island | $1,668 |
| Owls Head | $1,449 |
| Oxbow | $1,332 |
| Oxford | $1,403 |
| Palermo | $1,464 |
| Palmyra | $1,482 |
| Parsonsfield | $1,624 |
| Passadumkeag | $1,333 |
| Patten | $1,424 |
| Peaks Island | $1,653 |
| Pemaquid | $1,543 |
| Pembroke | $1,685 |
| Penobscot | $1,519 |
| Perham | $1,329 |
| Perry | $1,681 |
| Peru | $1,467 |
| Phillips | $1,525 |
| Phippsburg | $1,591 |
| Pittsfield | $1,516 |
| Plymouth | $1,362 |
| Poland | $1,370 |
| Port Clyde | $1,459 |
| Portage | $1,356 |
| Porter | $1,504 |
| Portland | $1,478 |
| Pownal | $1,537 |
| Presque Isle | $1,322 |
| Princeton | $1,692 |
| Prospect Harbor | $1,520 |
| Randolph | $1,352 |
| Rangeley | $1,552 |
| Raymond | $1,501 |
| Readfield | $1,433 |
| Richmond | $1,484 |
| Robbinston | $1,674 |
| Rockland | $1,474 |
| Rockport | $1,588 |
| Rockwood | $1,567 |
| Round Pond | $1,577 |
| Roxbury | $1,497 |
| Rumford | $1,406 |
| Sabattus | $1,441 |
| Saco | $1,583 |
| Salsbury Cove | $1,482 |
| Sandy Point | $1,524 |
| Sanford | $1,528 |
| Sangerville | $1,445 |
| Sargentville | $1,458 |
| Scarborough | $1,465 |
| Seal Cove | $1,475 |
| Seal Harbor | $1,477 |
| Searsmont | $1,470 |
| Searsport | $1,519 |
| Sebago | $1,551 |
| Sebasco Estates | $1,597 |
| Sebec | $1,440 |
| Sedgwick | $1,461 |
| Shapleigh | $1,497 |
| Shawmut | $1,432 |
| Sheridan | $1,309 |
| Sherman | $1,351 |
| Shirley Mills | $1,442 |
| Sinclair | $1,376 |
| Skowhegan | $1,486 |
| Smithfield | $1,479 |
| Smyrna Mills | $1,362 |
| Solon | $1,503 |
| Sorrento | $1,460 |
| South Berwick | $1,547 |
| South Bristol | $1,512 |
| South Casco | $1,532 |
| South China | $1,462 |
| South Eliot | $1,600 |
| South Freeport | $1,534 |
| South Gardiner | $1,466 |
| South Paris | $1,405 |
| South Portland | $1,448 |
| South Sanford | $1,533 |
| South Thomaston | $1,583 |
| South Windham | $1,482 |
| Southport | $1,643 |
| Southwest Harbor | $1,483 |
| Springfield | $1,425 |
| Springvale | $1,560 |
| Spruce Head | $1,616 |
| Squirrel Island | $1,515 |
| St. Agatha | $1,342 |
| St. Albans | $1,501 |
| St. David | $1,324 |
| St. Francis | $1,330 |
| Stacyville | $1,459 |
| Standish | $1,443 |
| Steep Falls | $1,541 |
| Stetson | $1,455 |
| Steuben | $1,657 |
| Stillwater | $1,429 |
| Stockholm | $1,352 |
| Stockton Springs | $1,527 |
| Stoneham | $1,471 |
| Stonington | $1,517 |
| Stratton | $1,441 |
| Strong | $1,473 |
| Sullivan | $1,497 |
| Sumner | $1,462 |
| Sunset | $1,485 |
| Surry | $1,487 |
| Swans Island | $1,517 |
| Temple | $1,479 |
| Tenants Harbor | $1,515 |
| Thomaston | $1,477 |
| Thorndike | $1,524 |
| Topsfield | $1,645 |
| Topsham | $1,521 |
| Trevett | $1,519 |
| Troy | $1,532 |
| Turner | $1,422 |
| Union | $1,472 |
| Unity | $1,526 |
| Van Buren | $1,315 |
| Vanceboro | $1,624 |
| Vassalboro | $1,449 |
| Vienna | $1,467 |
| Vinalhaven | $1,501 |
| Waite | $1,602 |
| Waldoboro | $1,445 |
| Wallagrass | $1,412 |
| Walpole | $1,601 |
| Warren | $1,453 |
| Washburn | $1,331 |
| Washington | $1,482 |
| Waterboro | $1,531 |
| Waterford | $1,460 |
| Waterville | $1,313 |
| Wayne | $1,383 |
| Weld | $1,469 |
| Wells | $1,597 |
| Wesley | $1,678 |
| West Baldwin | $1,587 |
| West Bethel | $1,458 |
| West Boothbay Harbor | $1,646 |
| West Enfield | $1,380 |
| West Farmington | $1,467 |
| West Forks | $1,585 |
| West Kennebunk | $1,569 |
| West Minot | $1,418 |
| West Newfield | $1,552 |
| West Paris | $1,462 |
| West Poland | $1,406 |
| West Rockport | $1,536 |
| Westbrook | $1,429 |
| Westfield | $1,322 |
| Whitefield | $1,501 |
| Whiting | $1,673 |
| Wilton | $1,451 |
| Windham | $1,474 |
| Windsor | $1,416 |
| Winn | $1,365 |
| Winslow | $1,332 |
| Winter Harbor | $1,474 |
| Winterport | $1,525 |
| Winthrop | $1,407 |
| Wiscasset | $1,428 |
| Woodland Washington County | $1,675 |
| Woolwich | $1,539 |
| Wytopitlock | $1,365 |
| Yarmouth | $1,545 |
| York | $1,575 |
| York Beach | $1,585 |
| York Harbor | $1,571 |
Current state of homeowners insurance in Maine
Maine home insurance rates have only seen a 19% increase from 2021 to 2025, which is significantly lower than the national increase of 48% over the same period.
This is likely due to the fact that Maine is one of a handful of states that are at low risk for severe weather events that drive up insurance claims.
That said, some areas of Maine, particularly along the coast, can be more susceptible to flooding as well as damage from winter or nor’easter storms, which is why their rates may be higher than elsewhere in the state.
Maine also ranks among the lowest states for theft-related losses, according to LendingTree’s State of Home Insurance: 2026 report, which means a lower risk for insurers and lower rates for homeowners.
But rates continue to increase thanks largely to rising construction and material costs, as well as the growing number of extreme weather-related claims elsewhere in the country.
Maine home insurance costs an average of $1,433 a year for $400,000 of coverage. While it’s far lower than the national average of $2,628, it’s higher than the average cost found in its Northeast neighbors, Vermont ($1,047) and New Hampshire ($1,150).
Maine also has some of the oldest housing stock in the country. The average age of homes in Maine is 51. Only eight other U.S. states have an average home age of 50+ years.
But Maine homes skew smaller, too, with an average of 1,680 square feet, the fourth lowest among the states. Home age and size are important factors when it comes to home insurance rates and figuring out the types of coverage you need.
How to compare homeowners insurance in Maine
Finding the right policy is more than getting the cheapest rate. When comparing options, consider:
- Coverage limits: Make sure you choose a limit that ensures your home is fully covered in case of major damage. Then use the same limit amount and similar coverage options so you can make a fair comparison when looking at rates.
- Deductibles: Choosing a higher deductible will lower your premium, but be sure you’ll be able to cover that out-of-pocket cost when you need to file a claim.
- Exclusions: Read the fine print to know what isn’t covered in your policy (like flooding).
- Add-ons: You may want to get extra coverage for high-value items, like expensive jewelry or sports equipment, or for common issues like water and sump pump backups.
And if you own one or more vehicles, consider bundling your home and auto insurance. Many insurance companies offer big discounts for this.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward — especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers so you can find coverage that fits your home, location and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
Like most states, Maine does not require homeowners to get home insurance. However, if you are getting a mortgage, home lenders will almost always require that you get home insurance.
Even if you own your home in full, getting home insurance is still a good idea to protect your investment in it as well as your future finances.
Maine is consistently among the more affordable states when it comes to average home insurance rates. The most likely reason is that the state isn’t as prone to natural disasters or extreme weather as other parts of the country.
In general, Maine has averaged only one disaster or emergency declaration per year for decades, though there have been outlier years. Maine also has much lower crime rates compared to the national average, including a 35% lower property crime rate.
No, Maine does not have a FAIR Plan, a state program that provides insurance coverage for people who have trouble finding a private company to insure them. States with these plans tend to have a higher likelihood of natural disasters or extreme weather.
If you receive a nonrenewal notice from your insurance company, you have the right to request a hearing with the Maine Bureau of Insurance if you feel your policy was canceled unfairly. Otherwise, you will need to look around for another insurer.
Methodology
How we chose the best homeowners insurance in Maine
The rates shown in this article are based on an analysis of non-binding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every Maine ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
How we create LendingTree ratings
Our team of insurance experts evaluates insurance companies across several categories, including average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
For third-party customer service ratings, we included the NAIC’s complaint index scores and financial strength ratings from AM Best. NAIC complaint index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from AM Best reflect the ability to pay out claims.
See our home insurance ratings methodology and full editorial guidelines for further details.