Simon Insurance Agency
100 E. Bridge St, Portland, MI 48875
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Portland households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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100 E. Bridge St, Portland, MI 48875
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Portland residents.
Portland, ME homeowners face unique coastal risks. Learn about nor'easter coverage, flood insurance requirements, wind deductibles, and historic home protection.
If you have a mortgage on a property in a high-risk flood zone, your lender will require flood insurance. However, even if you're not required to carry it, flood insurance is worth considering for any Portland property near the coast, waterfront, or in low-lying areas. Standard homeowners insurance doesn't cover flood damage, and Portland updated its flood maps in 2024, which may affect your property's flood risk designation. The National Flood Insurance Program offers policies with premiums based on your specific flood risk.
Maine consistently ranks among the states with the lowest auto insurance rates for several reasons. The state has a relatively low population density, fewer accidents per capita, and lower rates of insurance fraud compared to more urban states. Maine also has strict insurance requirements that keep more drivers properly insured, reducing uninsured motorist claims. Portland drivers might pay slightly more than rural Maine residents due to higher traffic density, but rates are still well below the national average.
Uninsured motorist coverage pays for your injuries and damages when you're hit by someone with no insurance at all. Underinsured motorist coverage kicks in when the at-fault driver has insurance, but not enough to cover all your damages. For example, if someone with minimum $50,000 coverage causes an accident that results in $80,000 in medical bills, your underinsured motorist coverage would pay the additional $30,000. Maine requires both types of coverage at $50,000 per person and $100,000 per accident.
Homeowners insurance costs in Portland vary significantly based on your home's location, age, value, and proximity to the coast. Coastal properties and homes in flood zones typically pay higher premiums than inland properties. The best way to determine your actual cost is to get quotes from multiple local agents who understand Portland's specific risk factors, including the updated 2024 flood maps and coastal wind exposure.
Yes, you can insure historic homes in neighborhoods like the West End or Old Port, but it requires specialized coverage. Older homes often need higher dwelling coverage to account for the cost of historically accurate repairs or materials. You may also need additional endorsements for things like knob-and-tube wiring, plaster walls, or vintage architectural details. Working with a local Portland agent who has experience with historic properties is essential to getting adequate coverage.
Absolutely. While Maine requires $50,000 per person in bodily injury coverage, medical costs from even a moderate accident can easily exceed that amount. If you have any assets worth protecting—a home, savings, retirement accounts—or if you have teenage drivers, consider increasing your liability to $100,000/$300,000 or higher. The additional cost is typically modest compared to the protection it provides, and umbrella policies can add even more coverage affordably.
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