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    Maine homeowners insurance

    Every Maine homeowner wants a safe, secure place to call home. After you've found the perfect place for you and your family, it's crucial to protect your investment with the right homeowners insurance. Our Maine home insurance coverage is designed to safeguard you in the event of theft, water backup damage, certain natural disasters and much more. Our homeowners coverage is reliable and customizable, so whether you live in Portland, Lewiston, Bangor or anywhere else in the state of Maine, you can get the coverage that suits your lifestyle. Learn more about our Maine homeowners discounts and get a free quote in minutes with Nationwide.

    Maine homeowners coverages and discounts

    What factors go into determining a homeowners insurance rate?

    While the average cost of homeowners insurance varies based on a number of components, these are common factors that insurance companies use to assess risk and determine your rate:

    Location

    Location includes the state, ZIP code, and claims history of the area.

    Construction

    The materials that were used to build the house. If a custom home is being built additional coverage may be required to cover the construction site.

    Age of the house

    How new or old the house is, and the upgrades that were made to an older home.

    Replacement cost

    The replacement cost is the cost of fully rebuilding the same house. This is typically assessed by an appraiser.

    Swimming pool

    Owning a swimming pool may increase your liability coverage to cover possible injuries.

    Home-based business

    If you a run a business out of your home your premium may increase to cover the inventory, equipment, and supplies.

    Coverage

    The type of coverage you choose and how much personal property and liability protection you want your home insurance policy to cover.

    Policy features that may meet the needs of Maine homeowners

    Whether you're living in a two-story house in Augusta or just purchased your first home in downtown Portland, Nationwide offers Maine home insurance that will fit your needs.
    • Water backup1 can help protect you from losses caused by backed-up sewer or drain water.
    • Identity theft protection helps defend you against fraud and identity theft and can stop damages to your credit within minutes.

    Nationwide agents throughout Maine are ready to assist you

    Select your city below to find an agent near you.

    Want to find a local agent in your neighborhood? We have Nationwide agents throughout Maine.
    Find a local agent

    Get a free Maine homeowners insurance review

    A Nationwide On Your Side® Review is a free, annual consultation and insurance assessment that can help you:
    • Increase or decrease your deductible(s)
    • Determine the home insurance coverage options that are right for your budget and situation. For instance, did you recently build a garage or gazebo you need covered? Have you installed a protective device that could qualify you for a discount? The On Your Side® Review is a great time to make these types of updates to your policy.
    • Review our responsive home insurance claim policy
    Call Nationwide at 1-877-On-Your-Side and get your Maine homeowners insurance quote today.

    Nationwide coverage in Maine

    Motorcycle insurance

    Find motorcycle coverages and discounts for your state.

    Auto insurance

    Find auto coverages and discounts for your state.

    Renters insurance

    Find renters coverages and discounts for your state.

    On Your Side® Review

    Make sure your insurance keeps up with your life.

    Insurance terms, definitions and explanations are intended for informational purposes only and do not in any way replace or modify the definitions and information contained in individual insurance contracts, policies or declaration pages, which are controlling. Such terms and availability may vary by state and exclusions may apply.