Insurance
Homeowners Insurance in Maine
Published September 24, 2026 · Last updated October 1, 2026
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The short answer
Maine homeowners paid about $1,077 a year on average in 2022, well below the U.S. average of $1,569.
Maine also has a detailed law about when a home insurer can drop you: the Maine Property Insurance Cancellation Control Act. It even names trampolines and unfenced pools. Here's what it says, and how to use it.
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What can't be held against you
Maine law says an insurer can't refuse to insure you solely because of:
- your age, if you're 65 or older,
- your credit information,
- claims the previous owner filed on the home, or
- the age of your home.
If you're buying an older home in Maine, or you're retired, those protections matter.
The first 90 days vs. after
During the first 90 days of a new policy, the insurer can cancel for almost any reason the law doesn't forbid. It's a review period.
After 90 days, a mid-term cancellation has to fit one of the reasons in the Cancellation Control Act:
- not paying your premium
- fraud or lying on the application or a claim
- a crime conviction involving an act that increases the risk
- careless acts that substantially increase the risk
- physical changes that make the home uninsurable
- the home is vacant without someone caring for it
- a trampoline still on the property 30 days after the insurer warns you
- a pool without the required fence still there 30 days after a warning
- a dog-bite claim, unless you remove the dog after notice
- not following reasonable safety recommendations within 90 days of being told
Non-renewal can be for any of those reasons, or any good-faith reason tied to whether the home is insurable.
You can ask for a hearing
If your policy is canceled after the first 90 days, or not renewed, you can request a hearing through the Maine Bureau of Insurance. Notice periods are short, generally 20 days for a cancellation (10 for non-payment) and 30 days for a non-renewal, so act quickly.
There's no grace period for premiums in Maine. If your payment is late, your policy can be canceled.
Getting paid on a claim
- Replacement cost takes two steps. You usually get the actual cash value first, then the rest after you replace or repair. You generally have 180 days from that first payment to claim the difference.
- Disagree with the amount? Your policy has an appraisal clause. You and your insurer each hire an appraiser, and if they can't agree, a neutral umpire decides. You split the umpire's fee. This works for disputes over how much, not over whether something is covered.
- Living elsewhere during repairs? Additional living expenses pay costs above your normal bills. Keep records of both.
- Switching insurers mid-term? You may owe a short-rate penalty, often about 10% of the unused premium.
What changes your price in Maine
- Your home's age, heating system, and rebuild cost. Older homes can cost more to fix.
- Your roof and winter damage risk
- Your deductible
- Distance to the coast for wind
- Your claims history
Not a quote or an offer. Your price comes from the insurance company.
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