Home insurance in Maine.
Home insurance in Maine is well below the national average, helped by low exposure to hurricanes, tornadoes, and major hail.
Maine at a glance
Avg. premium
$1,077/yr
NAIC 2022, HO-3
vs. national
31% below
U.S. avg $1,569/yr
Main cost driver
Winter storms, low catastrophe risk
What pushes rates here
Home insurance in Maine is well below the national average, helped by low exposure to hurricanes, tornadoes, and major hail.
How much does home insurance cost in Maine?
The average homeowner in Maine pays $1,077per year for home insurance, that's 31% below the U.S. national average of $1,569/yr. Your own rate depends on your home's rebuild cost, age, construction, location, and claims history.
Maine vs the national average
31% below the national average of $1,569/yr.
Source: NAIC (2022). Average annual premium for owner-occupied HO-3 homeowners policies.
What drives home insurance costs in Maine
Winter weather, snow load, ice dams, and frozen pipes, is the main claim driver. Coastal homes face somewhat higher rates from storm exposure.
What home insurance covers
A standard Mainehomeowners (HO-3) policy bundles several coverages. Note what's not included, flood and earthquake always require separate policies.
| Coverage | What it covers | In a standard policy? |
|---|---|---|
| Dwelling (Coverage A) | The structure of your home itself | Core coverage |
| Other structures (B) | Detached garages, fences, sheds | Included |
| Personal property (C) | Your belongings, furniture, electronics, clothes | Included |
| Liability (E) | Injuries to others or damage you’re responsible for | Included |
| Loss of use (D) | Living expenses if your home is uninhabitable | Included |
| Flood / earthquake | Flood and quake damage | Excluded, separate policy |
Homeowners insurance is not legally mandated, but mortgage lenders require it for the life of your loan.
How to lower your home insurance in Maine
Rates for the same home can vary widely between insurers in Maine, so comparing several quotes is the most effective way to save. A few other ways to lower your premium:
- Raise your deductible if you can cover it in a claim
- Bundle home and auto insurance with one carrier
- Harden your home against local risks (impact-resistant roof, storm shutters, defensible space) for discounts
- Improve security, alarms, smoke detectors, water-leak sensors
- Avoid small claims so you keep claims-free discounts
Average premium data last verified June 6, 2026. Source: NAIC. Figures are statewide averages, your quote will differ based on your specific home.
05 / FAQ
Maine home insurance FAQs.
Common questions about homeowners insurance in Maine.
06 / Get Started
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