Gavop's guide to buying homeowners insurance in Penobscot County, ME covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Penobscot County, ME - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Springer Dr, Riverbend Dr, Frank West Rd, Vis Ridge, Turnpike Rd, Lilac Ln, March St, Rose Ct, Covered Bridge Rd, Shore Dr | $126,500 | $110,000 | $125,000-$150,000 | $121,000 | $110,000 | $100,000-$125,000 |
| Treadwell Acres, Jordan Mills Rd, Fuller Rd, Chapman St, Skyview Ave, Rogers Ln, Marina Rd, Smart Mountain Rd, Vista Ln, Oloumon Ln | $147,500 | $120,000 | $150,000-$175,000 | $87,000 | $80,000 | $75,000-$100,000 |
| Grand Ave, Wickett Ln, Shipyard Cove Rd, Aloha Dr, Brewer St, Penobscot Meadow Rd, Vermont Ave, Canoe Club Rd, Cone St, Dearborn Dr | $147,500 | $120,000 | $100,000-$125,000 | $124,000 | $100,000 | $100,000-$125,000 |
| Aspen Way, Lakeside Landing Rd, Cliff St, Bemis Rd, Hall Dr, University Farm Rd, Mattmiscontis Rd, Rocky Dundee Rd, Kitchen Mill Rd, Rasle St | $156,000 | $130,000 | $125,000-$150,000 | $80,000 | $70,000 | $50,000-$75,000 |
| Lady Slipper Ln, Alard Dr, Mourning Dove Ct, Wagner Dr, Prospect St, Harriet Ln, Black Point Rd, Pelkey Rd, Aa Landing Rd, Paradise Ln | $133,000 | $110,000 | $125,000-$150,000 | $99,000 | $90,000 | $75,000-$100,000 |
| Munson Rd, Holts Mill Rd, Franklin St, Dearborn Rd, Bellevue Ave, Katahdin Exn, Gardner St, New Boston Rd, Cushman Rd, Barleyville Rd | $129,000 | $120,000 | $125,000-$150,000 | $77,500 | $70,000 | $75,000-$100,000 |
| Rhode Island St, Hillcrest Dr, Orange St, Norfolk St, Folsom Pond Rd, Erin Pl, Lowe Ln, Pinkham Farm Rd, Flagg St, Medway Rd | $153,000 | $140,000 | $100,000-$125,000 | $146,500 | $130,000 | $125,000-$150,000 |
| Lapoint Landing Rd, Tops Ln, Carter Ave, Hardy St, Tay Rd, Transalpine, Pine Tree Ln, Christopher Rd, Trillium Trl, Nason Hill Rd | $188,500 | $170,000 | $150,000-$175,000 | $150,500 | $130,000 | $125,000-$150,000 |
| Hall Ln, Littlefield Ave, Carriage Rd, Rowe St, Bunker Hill Rd, Independence, Mill Rd, Crystal Ln, Bullen St, Pendleton Dr | $106,000 | $100,000 | $75,000-$100,000 | $101,000 | $90,000 | $100,000-$125,000 |
| King St, Mountain Mist Ln, Cedar Breeze Center Rd, Nelson St, Burnurwurbskek Ln, New Hampshire St, Bean Ests, Broad St, Scribner St, Libby Hill Rd | $232,500 | $220,000 | $200,000-$250,000 | $131,500 | $110,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$102 | $533 |
| Superior Protection Discount | -$63 | $571 |
| Fire & Security Discount | -$57 | $577 |
| Hail Resistant Roof Discount | -$19 | $615 |
| Newly Constructed Home Discount | -$133 | $501 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Penobscot County | $2,500 | $627 | $3,127 | $455 | $2,955 | $171 |
| Penobscot County, ME | $2,000 | $627 | $2,627 | $455 | $2,455 | $171 |
| Burlington, ME | $300 | $454 | $754 | $330 | $630 | $124 |
| Lakeville, ME | $400 | $689 | $1,089 | $500 | $900 | $188 |
| Hudson, ME | $2,000 | $678 | $2,678 | $493 | $2,493 | $185 |
| Kenduskeag, ME | $300 | $636 | $936 | $462 | $762 | $174 |
| Sherman, ME | $2,500 | $522 | $3,022 | $379 | $2,879 | $143 |
| Dexter, ME | $300 | $545 | $845 | $396 | $696 | $149 |
| Bancroft, ME | $1,000 | $454 | $1,454 | $330 | $1,330 | $124 |
| Northeast Piscataquis, ME | $500 | $744 | $1,244 | $541 | $1,041 | $203 |
| Home Insurance Company Penobscot County, ME | Homeowners Insurance Agency Penobscot County, ME | Address | Popularity Score | Distance from Penobscot County (miles) |
|---|---|---|---|---|
| Travelers | Blackwell Insurance Agency | 575 Main St, Corinth, ME, 4427 | 32.8 | |
| Travelers | Katahdin Gateway Insurance | 749 Central St, Millinocket, ME, 4462 | 18.5 | |
| Travelers | F A Peabody Company | 150 West Broadway - Suite 1, Lincoln, ME, 4457 | 7.0 | |
| Travelers | Quirk Insurance | 278 Main St, Bangor, ME, 4401 | 41.4 | |
| Travelers | Blackwell Insurance Agency | 311 Corinna Road Suite B, Dexter, ME, 4930 | 40.4 | |
| Liberty Mutual Independent | All Points Insurance | 309 S Main St, Brewer, ME, 4412 | 42.4 | |
| Travelers | Blackwell Insurance Agency | 139 Spring St , Dexter, ME, 4930 | 32.0 | |
| Travelers | Katahdin Gateway Insurance | 749 Central St, Millinocket, ME, 4462 | 18.5 | |
| Travelers | F A Peabody Company | 150 W Broadway Ste 1, Lincoln, ME, 4457 | 7.0 | |
| State Farm | Jill St Peter | 319 Wilson St, Brewer, ME, 04412-1504 | 41.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Maine | $179,900 | $739 | $500 | $1,030 | $530 |
| Penobscot County, ME | $137,900 | $634 | $430 | $910 | $480 |
| Penobscot County, ME | $137,900 | $634 | $440 | $870 | $430 |
| Burlington, ME | $72,100 | $460 | $320 | $640 | $320 |
| Lakeville, ME | $157,800 | $697 | $490 | $990 | $500 |
| Hudson, ME | $152,500 | $686 | $490 | $950 | $460 |
| Kenduskeag, ME | $133,900 | $644 | $440 | $900 | $460 |
| Sherman, ME | $91,900 | $528 | $380 | $750 | $370 |
| Dexter, ME | $99,700 | $552 | $400 | $760 | $360 |
| Bancroft, ME | $72,200 | $460 | $330 | $640 | $310 |
| Northeast Piscataquis, ME | $187,500 | $753 | $530 | $1,040 | $510 |