Gavop's guide to buying homeowners insurance in Wells, 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.
| Wells, 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 | |
| Faxon Dr, Drury Ln, Grenier Ln, Farm Hill Ct, Windward Way, Hemlock Trl, Timber Way, Upper Landing Rd, Appletree Ln, Hummingbird Ln | $274,000 | $260,000 | $200,000-$250,000 | $196,000 | $170,000 | $150,000-$175,000 |
| Locust Grove Ln, Robinson Rd, Graham Ln, Devin Ln, Davis St, Darling Rd, Flintlock Village, Preble St, Bald Hill Rd, Lindsey Rd | $279,000 | $260,000 | $300,000-$350,000 | $210,000 | $190,000 | $200,000-$250,000 |
| Bills Ln, Deptula Ln, Salt Marsh Cir, Skyline Cir, Elinor Ln, Cheney Woods Rd, N Berwick Rd, Windsor Way, Ell Pond Rd, Thither St | $292,000 | $240,000 | $250,000-$300,000 | $125,500 | $120,000 | $100,000-$125,000 |
| Log Cabin Ln, Bell Ln, Bittersweet Ln, Pointed Fir Blvd W, Crescent Ln, Bypass Rd, Ember Ln, Foxridge Dr, Hersey Ln, Marshview St | $242,500 | $220,000 | $250,000-$300,000 | $216,000 | $200,000 | $200,000-$250,000 |
| Mile Rd, Sarah Ln, Saints Pl, Rocky Ln, Merrifield Ct, Dodge Rd, College Dr, Drakes Island Rd, Robin Ln, Mockingbird Ln | $290,000 | $250,000 | $300,000-$350,000 | $259,000 | $220,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$135 | $613 |
| Superior Protection Discount | -$67 | $680 |
| Fire & Security Discount | -$52 | $695 |
| Hail Resistant Roof Discount | -$22 | $725 |
| Newly Constructed Home Discount | -$172 | $576 |
| 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 |
| York County | $1,000 | $793 | $1,793 | $576 | $1,576 | $217 |
| Wells, ME | $1,000 | $739 | $1,739 | $537 | $1,537 | $202 |
| Cape Neddick, ME | $400 | $1,150 | $1,550 | $836 | $1,236 | $314 |
| Berwick, ME | $700 | $668 | $1,368 | $486 | $1,186 | $183 |
| Biddeford, ME | $500 | $659 | $1,159 | $479 | $979 | $180 |
| Merrimac, MA | $700 | $942 | $1,642 | $685 | $1,385 | $257 |
| Home Insurance Company Wells, ME | Homeowners Insurance Agency Wells, ME | Address | Popularity Score | Distance from Wells (miles) |
|---|---|---|---|---|
| Allstate | Spence & Mathews | 4 Sullivan Sq Po Box 715, Berwick, ME, 3901 | 12.1 | |
| Liberty Mutual Independent | Spence & Mathews Insurance | 4 Sullivan St, Berwick, ME, 3901 | 12.1 | |
| Allstate | Rousseau Insurance Agency | 334 Elm St, Biddeford, ME, 4005 | 14.7 | |
| Travelers | The Rousseau Insurance Agency | 334 Elm St, Biddeford, ME, 4005 | 14.7 | |
| Liberty Mutual Independent | P&C Insurance | 260 Main Street , Biddeford, ME, 4005 | 15.4 | |
| Travelers | Sevigney Lyons Insurance | 1662 Post Rd, Wells, ME, 4090 | 2.9 | |
| Allstate | Heidi Johnston | 62 Portland Rd Ste 5, Kennebunk, ME, 4043 | 7.8 | |
| Travelers | Lyons Agency For Insurance | 135 Fletcher Street, Kennebunk, ME, 4043 | 7.4 | |
| Travelers | Lyons Agency For Insurance | 135 Fletcher St, Kennebunk, ME, 4043 | 7.3 | |
| Travelers | Peoples Insurance | 716 Main St, Ogunquit, ME, 3907 | 3.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Maine | $179,900 | $739 | $500 | $1,030 | $530 |
| York County, ME | $233,000 | $802 | $550 | $1,140 | $590 |
| Wells, ME | $272,000 | $748 | $530 | $1,070 | $540 |
| Cape Neddick, ME | $386,100 | $1,164 | $840 | $1,610 | $770 |
| Berwick, ME | $219,200 | $676 | $480 | $940 | $460 |
| Biddeford, ME | $211,800 | $667 | $490 | $950 | $460 |
| Merrimac, MA | $335,300 | $953 | $660 | $1,360 | $700 |