Gavop shows you how to buy homeowners insurance in Berwick, ME by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $88,500 | $70,000 | $100,000-$125,000 |
| 2 Bedroom | $212,500 | $190,000 | $175,000-$200,000 |
| 3 Bedroom | $179,500 | $170,000 | $150,000-$175,000 |
| 4 Bedroom | $260,000 | $230,000 | $200,000-$250,000 |
| 5 Bedroom | $232,500 | $190,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$101 | $575 |
| Superior Protection Discount | -$68 | $609 |
| Fire & Security Discount | -$68 | $609 |
| Hail Resistant Roof Discount | -$20 | $656 |
| Newly Constructed Home Discount | -$149 | $527 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $7,312 |
| Hail Damage | $5,479 |
| Wind Damage | $10,517 |
| Expensive Claims | |
| Fire | $35,329 |
| Accidental Discharge/Leakage | $8,280 |
| Optional Coverage Losses | $8,156 |
| Home Insurance Company Berwick, ME | Homeowners Insurance Agency Berwick, ME | Address | Popularity Score | Distance from Berwick (miles) |
|---|---|---|---|---|
| Allstate | Spence & Mathews | 4 Sullivan Sq Po Box 715, Berwick, ME, 3901 | 2.6 | |
| Liberty Mutual Independent | Spence & Mathews Insurance | 4 Sullivan St, Berwick, ME, 3901 | 2.6 | |
| Travelers | Noyes Hall & Allen Insurance | 170 Ocean St, South Portland, ME, 4106 | 37.7 | |
| Allstate | Carlo Giraulo | 543 Main St, Westbrook, ME, 4092 | 36.0 | |
| Travelers | Cross Insurance - Portland | 2331 Congress St, Portland, ME, 4102 | 35.2 | |
| State Farm | Diane Newman | 313 Read Street, Portland, ME, 4103 | 38.4 | |
| Allstate | Scott Parolin | 650 Brighton Ave, Portland, ME, 4102 | 37.2 | |
| Travelers | Curley Associates | 1087 Main St, Sanford, ME, 4073 | 9.6 | |
| Travelers | Curley Associates | 1087 Main St, Sanford, ME, 4073 | 9.6 | |
| Travelers | Lyons Agency For Insurance | 135 Fletcher Street, Kennebunk, ME, 4043 | 16.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Maine | $179,900 | $739 | $510 | $1,060 | $550 |
| York County, ME | $233,000 | $802 | $590 | $1,120 | $530 |
| Berwick, ME | $219,200 | $676 | $490 | $950 | $460 |
| Wells, ME | $272,000 | $748 | $550 | $1,050 | $500 |
| Alfred, ME | $189,900 | $757 | $550 | $1,040 | $490 |
| Saco, ME | $228,700 | $689 | $500 | $960 | $460 |
| Chebeague Island, ME | $391,400 | $1,183 | $790 | $1,690 | $900 |