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Homeowners Insurance FAQs

Your home provides shelter from life’s many storms. We’ll help you insure it against the unexpected.

Are deductibles required and if so, what are they?
Yes, most homeowners forms contain deductible provisions applicable to losses. A deductible is a dollar amount that the insured chooses, the insured agrees to pay the deductible prior to any payments from the insurance carrier.  

Am I required to have Homeowners insurance if I own a home?
You can legally own a home without Homeowners insurance. However, if you finance your home with a mortgage, your lender most likely will require you to have Home insurance.

If you live in flood zone, your lender may also require you to purchase Flood insurance.

Why should I complete a home inventory?
When you purchase a home and a Homeowners insurance policy, you should create an up-to-date home inventory to expedite a claim settlement. With a complete home inventory, your insurance company can verify property, which makes settling your claim faster.

What's the difference between canceling and nonrenewing a Homeowners insurance policy?
Canceling a Homeowners insurance policy and choosing not to renew it are two very different actions an insurance company can take.

Typically, insurance companies can only cancel an active policy if one or all of the following occurred:

  • The policy has been in effect less than 60 days
  • You fail to pay the premium
  • You commit fraud or serious misrepresentations on your application are discovered

Nonrenewing a Homeowners insurance policy is a decision you or your insurance company can make to discontinue coverage at the end of a policy term. In Maine, if your insurance company chooses to nonrenew your policy at the end of the policy term, you must be notified and provided with an explanation within a specified time period.

When can an insurance company cancel my Homeowners coverage during the policy term?
Your policy may be cancelled for these reasons:

  • Non-payment of premium;
  • Material misrepresentation/fraud;

How much would it cost to rebuild my home at today's prices?
Your home is probably the single largest investment you'll ever make. By insuring your home, you are helping to protect your investment and your equity.

Estimating the cost to build your home will help you to make a determination of the amount of insurance you will want to purchase. The primary factors that will determine the cost to rebuild your home include:

  • Local construction costs and the square footage of the structure;
  • The type of exterior wall construction – frame, masonry (brick or stone) or veneer – and the type of roof;
  • The style of the house (e.g., cape, colonial);
  • The number of bathrooms and other rooms; and
  • Attached garages, fireplaces, exterior trim and other special features.

 

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F: 866-274-0005
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Waterville, Maine 04901
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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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