What affects home insurance rates?

When it comes to purchasing Maine home insurance, it’s important to know what affects home insurance rates. Some of these factors may be within your control, at least partially anyway, while others may not be at all. They include: • The size of your home and the type...

What Are Collectibles And Why Insure them?

What are collectibles and why should you consider insuring your collectibles?  Collectibles cover an wide mix of property items that people care about and find enjoyment in owning and or using.  These items include jewelry, silverware, art, model trains, stamps or...
What Is Comprehensive Auto Coverage?

What Is Comprehensive Auto Coverage?

One of the most misunderstood auto coverages is comprehensive auto coverage.  Basically, it’s an optional coverage that covers damage to your auto for events other than collision. This insurance is sometimes referred to as “other than collision coverage”. It will pay...
What Is Uninsured Motorist Coverage?

What Is Uninsured Motorist Coverage?

You are protected on your auto insurance policy with Uninsured Motorist Coverage (UM) when a driver who has no insurance collides with your vehicle.  Also, generally Uninsured Motorist Coverage (UIM) is coupled with Underinsured coverage. Underinsured motorist...
Service Line Coverage – Is It For You?

Service Line Coverage – Is It For You?

Service line coverage, what exactly is it?  Have you ever wondered if your homeowner insurance covers the lines that run into your home? The answer is that from the curb to your home you are responsible for any damage to the lines to your home. Your standard homeowner...

Spring Happens in Maine!

  Contact us for an insurance review! Winters are long, and sometimes we might doubt it, but Spring happens in Maine! It really does! However, although Spring in many parts of the world is full of color, flowers, and fresh aromas, Spring in Maine is mostly...
How do I insure my garden tractor?

How do I insure my garden tractor?

Compact garden tractors have become very popular in recent years. The most popular compact garden tractors for homeowners and small farms often have a horsepower range of 20hp to 45hp. Garden tractor coverage may not be included as part of your homeowners insurance....
What Is Auto Replacement Cost Coverage?

What Is Auto Replacement Cost Coverage?

New vehicles can bring on great excitement in the beginning, but they can also depreciate very quickly.  A new vehicle can depreciate 10% in the first few months and as much as 20% or more in the first year. This is where replacement cost coverage insurance comes in....