Gavop's guide to buying homeowners insurance in Waldo 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.
| Waldo 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 | |
| Main Rd S, Lucas Dr, Magog Rd, Loop Rd, Ayer, Back Belmont Rd, (South Main Road), Cottage St, State Rte 137, Garden Dr | $246,000 | $200,000 | $200,000-$250,000 | $148,000 | $130,000 | $125,000-$150,000 |
| Souder Station Rd, Rowe Rd, Fr 33-1, Meadow Rd N, Harriman Rd, Red Barn Rd, Brooks Rd, Cox Hill Rd, Taylor Rd, Moosehead Trl | $165,000 | $160,000 | $125,000-$150,000 | $90,000 | $80,000 | $75,000-$100,000 |
| Hope Rd, Bartlett Hill Rd, Mitchell Rd, Bolen Hill, Mill Rd, Hemlock Dr, Church Turn Rd, Merrill Ln, Wasoro Dr, Penney Rd | $267,500 | $240,000 | $300,000-$350,000 | $134,500 | $120,000 | $150,000-$175,000 |
| Bangor Rd, State Rte 137, Colony Rd, Hostile Valley Rd, Lampson Rd, Berry Rd, Hart Rd, Chandler Rd, Veterans Hwy, Pine View Dr | $193,000 | $180,000 | $175,000-$200,000 | $156,500 | $140,000 | $175,000-$200,000 |
| Howes Rd, Bear Mountain Rd, Spout Hill Rd, Lefty Ln, Peters Rd, Gordon Hill Rd, Church St, Ferry Rd, Windy Hill Ln, E Gulch Rd | $236,500 | $200,000 | $250,000-$300,000 | $100,000 | $80,000 | $100,000-$125,000 |
| Benson Rd, Lloyd Thomas Rd, Ryan Ln, Hannan's Shore, Candy Ln, Townhouse Rd, Ricker Hill Rd, Mehuren Rd, Bayview St, Frye Mountain Rd | $96,000 | $80,000 | $75,000-$100,000 | $76,000 | $70,000 | $75,000-$100,000 |
| Jacques Rd, Bushey Shore, Martin Corner Rd, Bac Belmont Rd, Westcott Stream Rd, Thompson Rd, Pine Rd, Merrill Farm Ln, Getchell Rd, Evergreen Ln | $111,000 | $100,000 | $75,000-$100,000 | $141,000 | $120,000 | $125,000-$150,000 |
| Hannon Mc Huren Rd, Landr Ln, Mount Waldo Rd, Sanborn Valley Rd, Jetty Rd, Trundy Rd, Back Palermo Rd, Verona St, Meadow Rd, Cobb Rd | $133,500 | $120,000 | $150,000-$175,000 | $137,000 | $130,000 | $100,000-$125,000 |
| Berryblue, Baker Rd, Hunter Rd, Burnham Hill Rd, Mathews Rd, State Rte 220, Gillkey Ln, Windy Hill Ln, Fenwick Rd, Hackett Rd | $184,000 | $150,000 | $150,000-$175,000 | $82,000 | $70,000 | $50,000-$75,000 |
| Evergreen Hts, Trues Pond Rd, Oak Hill Dr, Ladd Ln, Swamp Edge Rd, Fox Ridge Ln, Herrick Rd, Moore Ln, Knox Ridge Rd N, Cove Rd | $258,000 | $230,000 | $200,000-$250,000 | $153,000 | $140,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$109 | $571 |
| Superior Protection Discount | -$68 | $612 |
| Fire & Security Discount | -$48 | $632 |
| Hail Resistant Roof Discount | -$20 | $660 |
| Newly Constructed Home Discount | -$150 | $530 |
| 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 |
| Waldo County | $700 | $672 | $1,372 | $488 | $1,188 | $184 |
| Waldo County, ME | $2,000 | $672 | $2,672 | $488 | $2,488 | $184 |
| Jackson, ME | $300 | $626 | $926 | $455 | $755 | $171 |
| Brooksville, ME | $2,000 | $857 | $2,857 | $623 | $2,623 | $234 |
| Rockport, ME | $400 | $864 | $1,264 | $628 | $1,028 | $236 |
| Canaan, ME | $1,000 | $599 | $1,599 | $435 | $1,435 | $164 |
| Waldoboro, ME | $100 | $667 | $767 | $485 | $585 | $182 |
| Tremont, ME | $1,500 | $883 | $2,383 | $642 | $2,142 | $241 |
| Lamoine, ME | $300 | $793 | $1,093 | $577 | $877 | $217 |
| Mount Vernon, ME | $700 | $718 | $1,418 | $522 | $1,222 | $196 |
| Mount Desert, ME | $100 | $1,214 | $1,314 | $882 | $982 | $332 |
| Matinicus Isle, ME | $700 | $808 | $1,508 | $587 | $1,287 | $221 |
| Home Insurance Company Waldo County, ME | Homeowners Insurance Agency Waldo County, ME | Address | Popularity Score | Distance from Waldo County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Brown & Milliken Agency | 67 Foster St, Ellsworth, ME, 4605 | 36.0 | |
| State Farm | Mike Alden | 2540 Us Route 202, Winthrop, ME, 04364-3072 | 39.1 | |
| Travelers | Blackwell Insurance Agency | 139 Spring St , Dexter, ME, 4930 | 35.0 | |
| Travelers | Readfield Insurance Agency Llc | 962 Western Avenue , Manchester, ME, 4351 | 38.6 | |
| State Farm | Reyn Ritchie | 228 Northport Ave, Belfast, ME, 04915-6012 | 10.3 | |
| State Farm | Dave Neilson | 103 Camden St, Rockland, ME, 04841-2535 | 26.8 | |
| Travelers | Readfield Insurance Agency Llc | 962 Western Ave, Manchester, ME, 4351 | 38.0 | |
| State Farm | Dennis Keller | 30 Bangor Street, Augusta, ME, 04330-4802 | 33.6 | |
| Travelers | J Edward Knight & Co | 2421 Bristol Road New Harbor, Pemaquid, ME, 4554 | 48.9 | |
| Travelers | J Edward Knight & Co | 58 Park St, Rockland, ME, 4841 | 27.9 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Maine | $179,900 | $739 | $530 | $1,020 | $490 |
| Waldo County, ME | $159,800 | $680 | $500 | $970 | $470 |
| Waldo County, ME | $159,800 | $680 | $470 | $970 | $500 |
| Jackson, ME | $129,700 | $634 | $420 | $870 | $450 |
| Brooksville, ME | $257,800 | $867 | $630 | $1,210 | $580 |
| Rockport, ME | $262,400 | $874 | $600 | $1,200 | $600 |
| Canaan, ME | $118,800 | $606 | $440 | $870 | $430 |
| Waldoboro, ME | $172,800 | $675 | $480 | $930 | $450 |
| Tremont, ME | $274,300 | $894 | $620 | $1,230 | $610 |
| Lamoine, ME | $217,800 | $803 | $550 | $1,120 | $570 |
| Mount Vernon, ME | $173,300 | $727 | $490 | $1,000 | $510 |
| Mount Desert, ME | $403,700 | $1,229 | $820 | $1,730 | $910 |
| Matinicus Isle, ME | $227,300 | $818 | $590 | $1,170 | $580 |