Gavop's guide to buying homeowners insurance in Orono, 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.
| Orono, 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 | |
| Parkview, Balsalm Ct, Sebago Rd, Estabrook Cir, Hillside Rd, Pierce St, Spencer St, Dirigo Dr, Cross Dr, College Hts | $225,000 | $200,000 | $200,000-$250,000 | $89,500 | $70,000 | $75,000-$100,000 |
| Sebec Rd, Cedarwood, A A Landing Rd, Haskell St, Willow Dr, W Mall Rd, Tamarack Rdg, Elliot's Landing Rd, College Ave, Pond St | $297,500 | $240,000 | $250,000-$300,000 | $122,000 | $110,000 | $100,000-$125,000 |
| Crosby St, Chapel Rd, Forest Hill Ter, Mountainview Dr, Gardner Rd, Lexington Rd, Myrtle St, Downeast Ter, Tunk Rd, Allen Rd | $260,000 | $210,000 | $250,000-$300,000 | $190,000 | $160,000 | $200,000-$250,000 |
| Crestview Dr, Cromwell Dr, Hamlin St, Merritt Dr, Androscoggin Rd, Fellows Pl, Webster Rd, Hasbrouck Ct, Longfellow Hts, Farnsworth Rd | $207,500 | $170,000 | $150,000-$175,000 | $226,000 | $190,000 | $175,000-$200,000 |
| Stacy Ln, Cedarwood St, Macmillan Dr, Noyes Dr, China Rd, Austin Dr, Goodridge Rd, Juniper St, Mayo St, Averill St | $250,500 | $210,000 | $200,000-$250,000 | $155,500 | $130,000 | $150,000-$175,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$133 | $569 |
| Superior Protection Discount | -$70 | $632 |
| Fire & Security Discount | -$77 | $625 |
| Hail Resistant Roof Discount | -$21 | $681 |
| Newly Constructed Home Discount | -$183 | $520 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,216 |
| Physical Damage | $2,464 |
| Hail Damage | $4,524 |
| Wind Damage | $6,433 |
| Expensive Claims | |
| Fire | $46,016 |
| Smoke | $17,556 |
| Home Insurance Company Orono, ME | Homeowners Insurance Agency Orono, ME | Address | Popularity Score | Distance from Orono (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Ghm Agency | 51 Main St, Waterville, ME, 4901 | 49.5 | |
| Allstate | Ghm Agency | 51 Main St Po Box 649, Waterville, ME, 4903 | 49.3 | |
| State Farm | Delia Bouchard | 2 Sylvan Rd, Orono, ME, 04473-3697 | 2.9 | |
| Liberty Mutual Independent | Cross Insurance | 491 Main St, Bangor, ME, 4401 | 6.7 | |
| Liberty Mutual Independent | Sargent Tyler & West | 60 Summer St, Bangor, ME, 4401 | 6.1 | |
| Travelers | Allen Insurance And Financial | 34-36 Elm St, Camden, ME, 4843 | 49.2 | |
| Travelers | Dawson Insurance Agency | 417 Main St, Bangor, ME, 4401 | 6.5 | |
| State Farm | Michael Lee | 328 Main St, Waterville, ME, 04901-4921 | 49.3 | |
| Travelers | Allen / Freeman / Mcdonnell Agency | 141 North Main Street, Brewer, ME, 4412 | 6.1 | |
| Travelers | Quirk Insurance | 278 Main Street, Bangor, ME, 4401 | 6.1 |
| 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 |
| Penobscot County, ME | $137,900 | $634 | $440 | $900 | $460 |
| Orono, ME | $188,800 | $702 | $510 | $1,000 | $490 |
| Glenburn, ME | $151,900 | $685 | $460 | $950 | $490 |
| Passadumkeag, ME | $85,000 | $506 | $360 | $700 | $340 |
| Waldo, ME | $160,800 | $703 | $490 | $960 | $470 |
| Hartland, ME | $78,200 | $482 | $350 | $680 | $330 |
| Lakeville, ME | $157,800 | $697 | $480 | $970 | $490 |
| Skowhegan, ME | $102,700 | $720 | $480 | $990 | $510 |
| Steuben, ME | $139,500 | $657 | $450 | $900 | $450 |
| Carroll, ME | $76,400 | $476 | $320 | $660 | $340 |