Gavop's guide to buying homeowners insurance in Cumberland, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $120,000 | $100,000 | $125,000-$150,000 |
| 2 Bedroom | $264,000 | $220,000 | $250,000-$300,000 |
| 3 Bedroom | $330,000 | $280,000 | $350,000-$400,000 |
| 4 Bedroom | $586,000 | $480,000 | $500,000-$600,000 |
| 5 Bedroom | $928,000 | $760,000 | More than 10,000,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$175 | $745 |
| Superior Protection Discount | -$92 | $828 |
| Fire & Security Discount | -$74 | $846 |
| Hail Resistant Roof Discount | -$28 | $892 |
| Newly Constructed Home Discount | -$248 | $671 |
| 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 |
| Cumberland County | $700 | $833 | $1,533 | $605 | $1,305 | $228 |
| Cumberland, ME | $700 | $909 | $1,609 | $660 | $1,360 | $248 |
| Saco, ME | $300 | $681 | $981 | $495 | $795 | $186 |
| Sabattus, ME | $1,500 | $687 | $2,187 | $499 | $1,999 | $188 |
| Hiram, ME | $500 | $680 | $1,180 | $494 | $994 | $186 |
| Bridgton, ME | $1,000 | $644 | $1,644 | $468 | $1,468 | $176 |
| Kennebunkport, ME | $400 | $1,211 | $1,611 | $880 | $1,280 | $331 |
| Pittston, ME | $2,000 | $690 | $2,690 | $501 | $2,501 | $188 |
| Damariscotta, ME | $500 | $821 | $1,321 | $597 | $1,097 | $224 |
| Friendship, ME | $2,500 | $709 | $3,209 | $516 | $3,016 | $194 |
| Milton, ME | $1,500 | $668 | $2,168 | $485 | $1,985 | $183 |
| Home Insurance Company Cumberland, ME | Homeowners Insurance Agency Cumberland, ME | Address | Popularity Score | Distance from Cumberland (miles) |
|---|---|---|---|---|
| Allstate | Carlo Giraulo | 543 Main St, Westbrook, ME, 4092 | 9.0 | |
| State Farm | Orry Cummings | 173 Gray Rd, Falmouth, ME, 04105-2514 | 3.6 | |
| Liberty Mutual Independent | Smithwick & Mariners Insurance Inc | 366 Us Route 1, Falmouth, ME, 4105 | 3.6 | |
| State Farm | John Couture | 2 Mcconkey Rd Ste 1, Gray, ME, 04039-9773 | 8.0 | |
| State Farm | Diane Newman | 313 Read Street, Portland, ME, 4103 | 7.4 | |
| Allstate | Scott Parolin | 650 Brighton Ave, Portland, ME, 4102 | 8.5 | |
| State Farm | Robin Thurston | 3 Oak Hill Ter, Scarborough, ME, 4074 | 14.1 | |
| State Farm | Luanne Cameron | 111 Ossipee Trl E Ste 1149, Standish, ME, 04084-6421 | 15.1 | |
| State Farm | Terri Wright | 438 Us Route 1 Ste 2, Yarmouth, ME, 04096-6750 | 3.2 | |
| Travelers | Dubords Insurance | 1 Depot St, Livermore Falls, ME, 4254 | 47.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Maine | $179,900 | $739 | $500 | $1,060 | $560 |
| Cumberland County, ME | $259,400 | $843 | $570 | $1,190 | $620 |
| Cumberland, ME | $364,400 | $920 | $670 | $1,260 | $590 |
| Saco, ME | $228,700 | $689 | $480 | $970 | $490 |
| Sabattus, ME | $157,000 | $695 | $480 | $980 | $500 |
| Hiram, ME | $153,400 | $688 | $470 | $950 | $480 |
| Bridgton, ME | $159,600 | $652 | $470 | $930 | $460 |
| Kennebunkport, ME | $402,900 | $1,226 | $820 | $1,730 | $910 |
| Pittston, ME | $158,400 | $698 | $500 | $960 | $460 |
| Damariscotta, ME | $235,500 | $831 | $570 | $1,160 | $590 |
| Friendship, ME | $168,300 | $718 | $490 | $990 | $500 |
| Milton, ME | $147,700 | $676 | $490 | $950 | $460 |