Gavop shows you how to buy homeowners insurance in Ellsworth, 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 | $67,500 | $60,000 | $50,000-$75,000 |
| 2 Bedroom | $171,000 | $140,000 | $150,000-$175,000 |
| 3 Bedroom | $166,000 | $140,000 | $125,000-$150,000 |
| 4 Bedroom | $304,000 | $260,000 | $350,000-$400,000 |
| 5 Bedroom | $410,000 | $380,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$124 | $566 |
| Superior Protection Discount | -$69 | $621 |
| Fire & Security Discount | -$62 | $628 |
| Hail Resistant Roof Discount | -$21 | $669 |
| Newly Constructed Home Discount | -$200 | $490 |
| 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 |
| Hancock County | $2,500 | $753 | $3,253 | $547 | $3,047 | $206 |
| Ellsworth, ME | $2,000 | $682 | $2,682 | $495 | $2,495 | $186 |
| Verona Island, ME | $300 | $653 | $953 | $475 | $775 | $178 |
| Stockton Springs, ME | $1,000 | $719 | $1,719 | $523 | $1,523 | $197 |
| Osborn, ME | $200 | $595 | $795 | $432 | $632 | $163 |
| Searsport, ME | $700 | $611 | $1,311 | $444 | $1,144 | $167 |
| Gouldsboro, ME | $500 | $763 | $1,263 | $554 | $1,054 | $208 |
| Etna, ME | $1,500 | $650 | $2,150 | $472 | $1,972 | $178 |
| Argyle, ME | $500 | $567 | $1,067 | $412 | $912 | $155 |
| Rockport, ME | $2,000 | $864 | $2,864 | $628 | $2,628 | $236 |
| Lowell, ME | $400 | $565 | $965 | $411 | $811 | $154 |
| Albion, ME | $1,500 | $648 | $2,148 | $471 | $1,971 | $177 |
| Home Insurance Company Ellsworth, ME | Homeowners Insurance Agency Ellsworth, ME | Address | Popularity Score | Distance from Ellsworth (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Brown & Milliken Agency | 67 Foster St, Ellsworth, ME, 4605 | 4.8 | |
| Liberty Mutual Independent | Cross Insurance | 491 Main St, Bangor, ME, 4401 | 20.4 | |
| Liberty Mutual Independent | Brown & Milliken Agency | 67 Foster St, Ellsworth, ME, 4605 | 4.8 | |
| Liberty Mutual Independent | All Points Insurance | 309 S Main St, Brewer, ME, 4412 | 20.0 | |
| Travelers | Allen / Freeman / Mcdonnell Agency | 141 N Main St, Brewer, ME, 4412 | 20.3 | |
| Liberty Mutual Independent | Norman Assurance Associates | 4 Bartlett Ln, South Thomaston, ME, 4858 | 48.2 | |
| State Farm | Jeremy Von Oesen | 270 High St Ste 107b, Ellsworth, ME, 04605-1729 | 5.2 | |
| Travelers | Insurance Shoppers | 419 Wilson St, Brewer, ME, 4412 | 19.3 | |
| Allstate | Sandy Beaulieu | 849 Stillwater Ave, Bangor, ME, 4401 | 22.0 | |
| Travelers | Varney Agency Ellsworth | Mill Mall 148 State St Ste 4a, Ellsworth, ME, 4605 | 3.6 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Maine | $179,900 | $739 | $500 | $1,050 | $550 |
| Hancock County, ME | $207,300 | $762 | $510 | $1,080 | $570 |
| Ellsworth, ME | $181,200 | $690 | $470 | $980 | $510 |
| Verona Island, ME | $141,000 | $661 | $440 | $940 | $500 |
| Stockton Springs, ME | $173,600 | $728 | $530 | $1,000 | $470 |
| Osborn, ME | $117,000 | $602 | $440 | $850 | $410 |
| Searsport, ME | $123,300 | $618 | $440 | $880 | $440 |
| Gouldsboro, ME | $198,600 | $772 | $530 | $1,060 | $530 |
| Etna, ME | $139,900 | $658 | $470 | $940 | $470 |
| Argyle, ME | $107,100 | $574 | $410 | $800 | $390 |
| Rockport, ME | $262,400 | $874 | $600 | $1,230 | $630 |
| Lowell, ME | $106,300 | $572 | $410 | $780 | $370 |
| Albion, ME | $139,000 | $656 | $450 | $930 | $480 |