The best home insurance companies in Maine are Chubb, State Farm, Vermont Mutual, Travelers and Concord Group. Chubb ranks first for customer service, Vermont Mutual leads in affordability, and Travelers has the best coverage options. Compare all our top picks below.
Best Homeowners Insurance in Maine
Updated: June 24, 2025
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Key Takeaways
According to our 2025 research, the top three home insurance providers in Maine are Chubb, State Farm and Vermont Mutual.
Chubb offers the best overall home insurance for most Maine homeowners. For those with newer homes, Chubb is also the best option.
To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.
Who Are the Best Home Insurance Companies in Maine?
| Chubb | 96 | 3 | 1 | 2 |
| State Farm | 89 | 2 | 2 | 5 |
| Vermont Mutual | 79 | 1 | 4 | 4 |
| Travelers | 69 | 5 | 3 | 2 |
| Concord Group Insurance | 65 | 4 | 5 | 1 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
While our rankings reflect the best overall providers, the best option for you may differ based on your home type or personal needs. Below, we highlight the top insurers across major categories.
| Chubb | 96 | Overall |
| Chubb | 96 | Older Homes |
| Chubb | 95 | Newer Homes |
| Chubb | 96 | High-Fire-Risk Areas |
| Chubb | 97 | Bad Credit |
| Chubb | 97 | With Claims History |
Best Maine Home Insurance Reviews
Explore our top choices for home insurance in Maine, specifically for affordability, customer service and coverage options.
Vermont Mutual: Best for Affordability
Vermont Mutual is the top option for affordable home insurance in Maine, although it ranks below average for customer service and coverage options. The company offers home insurance coverage add-ons like Home Systems Protection for mechanical breakdowns and underground service line coverage. It also offers endorsements for identity fraud and water backup to enhance your home's protection.
Data filtered by:Results filtered by:
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
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Deductible:1000
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Credit Tier:Below Fair
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Claims History:1 claim in past 5 years
| Newer Homes | $32 | $388 |
| Newer Homes in High-Fire-Risk Areas | $34 | $403 |
| Older Homes | $42 | $507 |
| Older Homes in High-Fire-Risk Areas | $44 | $526 |
Chubb: Best for Customer Service
Chubb is the top overall provider for home insurance in Maine due to its high customer service scores. According to J.D. Power, it ranks first overall for claims and customer satisfaction. Chubb also offers unique coverage options such as HomeScan® infrared inspections to detect hidden issues, employment practices liability coverage for household staff, and valuable articles insurance with agreed value and breakage protection for collectibles.
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
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Credit Tier:Below Fair
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Claims History:1 claim in past 5 years
| Newer Homes | $34 | $404 |
| Newer Homes in High-Fire-Risk Areas | $34 | $404 |
| Older Homes in High-Fire-Risk Areas | $40 | $477 |
| Older Homes | $40 | $477 |
Travelers: Best for Coverage
Travelers is a comprehensive option for home insurance in Maine due to its extensive coverage offerings. It has unique add-ons like additional replacement cost coverage that provides extra coverage to repair or rebuild your home if dwelling coverage isn't enough. Travelers also offers green home coverage that provides additional protection to help cover costs to repair, replace or rebuild with green materials after a covered loss.
Data filtered by:Results filtered by:
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
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Deductible:1000
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Credit Tier:Below Fair
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Claims History:1 claim in past 5 years
| Newer Homes | $133 | $1,601 |
| Newer Homes in High-Fire-Risk Areas | $153 | $1,836 |
| Older Homes | $299 | $3,583 |
| Older Homes in High-Fire-Risk Areas | $342 | $4,109 |
How to Find the Best Home Insurance in Maine
Choosing the right insurance can be challenging. We've put together a simple guide to help you find the coverage that best suits your needs.
- 1
Determine your coverage needs
Before choosing a home insurance policy, determine the coverage level you need. Assess your home's value, the personal belongings inside and local risk factors that might affect your coverage.
- 2
Research costs and discounts
Figure out how much home insurance costs in Maine to see if providers truly offer savings. To maximize your savings, also check for discounts you qualify for and consider options like bundling or adding home safety devices.
- 3
Find the best providers for you
After researching coverage and costs, narrow your search for the best and cheapest home insurance in Maine. Use guides and personal research to evaluate customer service ratings, pricing specific to your needs and suitable coverage add-ons.
- 4
Compare multiple providers through all means
With your research complete, compare providers to find the best option. Ensure you review quotes on an apples-to-apples basis for accuracy. Get quotes through various methods, as online estimates may differ from those given by brokers or agents over the phone.
Best Homeowners Insurance in Maine: Bottom Line
Based on our analysis, Chubb, State Farm and Vermont Mutual are the best-rated homeowners insurance providers in Maine. While these are strong recommendations, comparing options yourself will help you find the best fit for your needs.
Best Home Insurance in Maine: FAQ
Review our answers to common questions about selecting a top home insurance provider in Maine.
Which company is best for home insurance in Maine?
Chubb is the best homeowners insurance provider in Maine because of its excellent customer service, comprehensive coverage options and competitive pricing. State Farm, Vermont Mutual, Travelers and Concord Group are also highly regarded alternatives.
Who has the most affordable homeowners insurance in Maine?
The most affordable homeowners insurance in Maine varies based on individual circumstances. However, the average cost in Maine is $879 annually.
How do you get the best homeowners insurance in Maine?
To find the best home insurance in Maine, determine your coverage needs first, research costs and providers, and compare multiple options.
How We Decided the Best Home Insurance in Maine: Our Methodology
We rated the best homeowners insurance providers in Maine using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.