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Home Insurance

What is Homeowners Insurance?

Most people will never own an asset that’s worth more than their house and it’s important to protect something that’s so valuable. Homeowners insurance helps Maine residence who have a house to protect their home and it offers a few other protections as well.

Homeowners insurance is a form of personal insurance that’s designed to cover a house and more. In most cases, policies offer coverage for a house, the policyholder and the policyholder’s personal belongings. Family members who live with the policyholder usually also are covered. (Any given policy’s protections can vary depending on its terms and conditions.)

Who in Maine Needs a Home Insurance Policy?

Broadly speaking, most people who own a house in Maine ought to have a home insurance policy that covers their house. This includes both residents of the state and those who have a vacation property in the state.

When insuring a second home, a specialized homeowners policy that’s specifically designed for second homes might be appropriate. An insurance agent who specializes in this type of insurance can help with securing such a policy.

To not carry coverage on a home not only leaves the owner exposed to substantial and unnecessary risk, but it also may violate the terms of a mortgage. While there generally aren’t laws requiring homeowners insurance, mortgage agreements and home equity lines of credit commonly require insurance in their fine print.

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