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Homeowners Insurance

Homeowner insurance policies can be written to cover your dwelling, detached structures, personal property, loss of use, and personal liability. All deeded owners of the property should be listed as named insureds on the policy. A variety of broadening endorsements are offered by most insurance carriers, which can provide coverage for certain exposures that are usually limited or excluded. Please remember that you must purchase a separate policy for each property you own, as well as separate policies for boats, motorcycles, snowmobiles, ATVs, RVs and other similar types of motorized vehicles.

GHM recommends you thoroughly review all your insurance policies and call us if you have any questions or do not understand any of the coverages, conditions, limitations or exclusions within your policies.

Homeowners Coverage Recommendations

Your Home
GHM recommends you insure your home to 100% of the cost to re-build the home if it were totally destroyed. We will do a free computerized cost estimator to help you estimate the replacement cost of your home.

Personal Property
We urge you to insure your personal property at replacement cost.

Liability
Homeowners liability protects you if you are negligent in causing an injury to a non-resident of your household. Most insurance carriers offer up to $500,000 of liability coverage on homeowner policies. 
 
Business Pursuits
There is an exclusion within the homeowner policy for business pursuits. This could include activities such as babysitting, mowing the neighbor’s lawn, or baking goods for the local store. Call us today for options on how to insure your business activites.

Umbrella Liability
A Personal Umbrella Liability policy provides you with a limit of liability over and above your base coverages. Some umbrella policies offer uninsured/underinsured motorist coverage. Limits atart at $1,000,000 and can be increased to $10 million or more. Premiums start at as low at $180 per year.

Special Types of Property
All homeowners policies have coverage limitations with regard to jewelry, furs, firearms, collectibles, money, antiques, silverware, crystal and other similar types of valuable property. Broader coverage and higher limits can be added to insure your prized possessions. Call and ask us about scheduled personal property.

Water & Sewer Back-up
Homeowners insurance excludes loss from water back-up of sewers or drains. There is coverage available to purchase for back-up of sewers or drains including sump pumps. Please contact us for more information.

 Earthquake & Flood
Many people do not realize that an earthquake fault runs through Maine. Homeowners insurance excludes loss caused by earthquake. Earthquake coverage is available to endorse to your homeowners policy. Loss from flood is also excluded from most homeowner policies. If you are concerned about earthquake or flood please contact our office.

Replacement Cost Coverage
In the event of a covered loss to your personal property, Replacement Cost Contents (RCC) eliminates depreciation. Without RCC your claim would be settled based on the actual cash value of your property at the time of the loss. Please do not hesitate to contact us if you would like to discuss RCC in more detail.

Discounts FAQs

T: 800-244-9046
F: 866-274-0005
51 Main Street
Waterville, Maine 04901
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34 Center Street
Auburn, Maine 04210
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Need to Make a Claim?

Acadia Insurance
800-244-9446

Allstate
Report Online
800-255-7828

Dairyland Insurance
Auto: 800-225-1390
Cycle: 800-325-9559

Foremost Insurance Group
Report Online
800-527-3907

The Hanover Insurance Group
Report Online
800-628-0250

The Hartford
Report Online
800-243-5860
Business Insurance: 800-327-3636

Jewelers Mutual Insurance Company
Report Online
800-558-6411

MEMIC
Report Online
800-636-4292

MMG Insurance
888-343-0533 (M-F, 8:00-4:30)
888-869-8700 (after hours)

Patriot Insurance Company
Report Online
866-460-1776

Patrons Insurance
800-542-7032

Peerless Insurance
800-522-7152

Philadelphia Insurance Companies
800-873-4552

Progressive
Report Online
800-776-4737

Travelers
Report Online (Personal)
Personal Insurance: 800-252-4633
Report Online (Business)
Business Insurance: 800-832-7839

Union Mutual of Vermont
Report to GHM: 207-873-5101

Want to Pay a Bill?

Acadia Insurance 
Call GHM: 800-244-9046

Allstate
Pay Online
800-901-1732

Dairyland Insurance
Auto: Pay Online
Auto: 800-2334-0090
Cycle: Pay Online
Cycle: 866-324-7952

Foremost Insurance Group
Pay Online
800-532-4221

The Hanover Insurance Group
Pay Online
800-573-1187

The Hartford
Pay Online
800-624-5578

Jewelers Mutual Insurance Company
800-558-6411

MEMIC
Pay Online
800-660-1306

MMG Insurance
Pay Online
888-664-2455

Patriot Insurance Company
Personal: Pay Online
Business: Pay Online

Patrons Insurance
Pay Online
866-611-7887

Peerless Insurance
Pay Online
800-228-7830

Philadelphia Insurance Companies
Pay Online
877-438-7459

Progressive
Pay Online
800-776-4737

Travelers
Pay Online
800-842-5075

Union Mutual of Vermont
Pay Online

 

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