Homeowners Insurance in Belfast, Searsport, and Camden, Maine

Insurance Quotes for Your Home in Belfast, Camden, or Searsport

The Penobscot Bay offers many picturesque places to live. If you are looking for an insurance quote for your home in Belfast, Camden, or Searsport, contact one of our offices in Maine today. As a third-generation company, we’ve been helping Mainers with their insurance needs since 1954. We work with many different insurance carriers– from New England based companies, to national names. This means more options for our customers. Requesting a quote for your home is as simple as filling out our form here. If you prefer to call someone to start the quoting process, you can find a list of all of our offices and phone numbers here.

How Much is Homeowners Insurance in Maine?

How much you will pay to insure your home in Maine will depend on a number of different factors. The size and location of your home, as well as what coverages you choose, can all go in to calculating the price. Additionally, your claims history can play a role in how much you will pay.
a bird's eye view overlooking Belfast, Maine

Ways to Potentially Save on Homeowners Insurance in Maine

Looking to save on how much you pay for your homeowners policy? One possible solution is to get pricing options from different companies. Our Maine-based insurance agency can give you options from different insurance carriers. Ask your local insurance agent if you can reduce your premium by buying multiple coverages from the same carrier, such as home and auto. Your local insurance agent may also know about additional discounts for security devices, such as installing an alarm system.

How Much Home Insurance Do I Need? 

Figuring out the right amount of insurance coverage for your home can be tricky. If your home were to be lost in a fire, think about what it would take to rebuild and replace everything. If you contact an insurance agent to ask about appropriate coverage for your home, they may evaluate the limits on your dwelling, personal property, other structures, loss of use, and liability.

  • Dwelling coverage commonly refers to the actual structure of your home, which may include things like an attached porch or connected garage
  • Personal property refers to your belongings- Your furniture, appliances, jewelry, sporting equipment, and additional items you own
  • Other structures can mean structures not attached to your home, such as a shed, a detached garage
  • Loss of use can provide compensation for things like eating out and temporary housing if you are unable to live in your home
  • Liability coverage can provide coverage if someone is injured on your property

Reviewing the limits on these to see if they suit your needs is a good place to start to determine the amount of coverage you  may want for your homeowners policy.

Replacement Cost vs. Actual Cash Value 

When it comes to homeowners insurance, you should understand the difference between replacement cost and actual cash value. Actual cash value, sometimes shortened to ACV, commonly reimburses you for the current value of the item. This means the original cost, minus depreciation. Replacement cost value (RCV), on the other hand, typically will reimburse you for the current cost to replace the item. For example, if there was a fire in your kitchen and you needed to replace your cabinets and appliances, replacement cost could give you the amount to go out and purchase these items new.

Does My Home Need Flood Insurance? 

You can use this flood map from FEMA to see if your home is in an area with moderate or low flood risk. Typically, most homeowners insurance does not cover damages caused by floods. In addition, your mortgage lender may require you to carry flood insurance, depending on which flood zone you live in.
public library in Camden, Maine, with surrounding landscaping

Other Insurance Coverages for Camden, Belfast, and Searsport

In addition to options to cover your home in Belfast, Camden, or Searsport, we also offer insurance for auto, boat, ATV, motorcycles, and more. Along with insurance for individuals, we also offer coverages for businesses such as workers’ comp, general liability, and more.


This article is for general informational purposes only and is not to be relied upon or used for any particular purpose. Cross Insurance shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, insurance, accounting or other professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article are that of its author and do not necessarily represent the views of Cross Financial Corp. and its subsidiaries and affiliates (“Cross Insurance”) or Cross Insurance’s management or shareholders.

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