The top-rated home insurance agent in Scarborough, Maine is Michelle Raber - State Farm Insurance Agent, rated 5.0 stars across 345 reviews. Other highly rated options include Foy Insurance, A Division of World, Hoang Phan, Bankers Life Securities Financial Representative, Stephanie Greenlaw, Bankers Life Advisory Services Financial Advisor. This directory lists 11 home insurance agents serving Scarborough.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Michelle Raber - State Farm Insurance Agent | 696 US-1 | (207) 883-0111 |
| 2 | Foy Insurance, A Division of World | 152 US-1 Unit 11 | (207) 289-3850 |
| 3 | Hoang Phan, Bankers Life Securities Financial Representative | 360 US-1 Ste 202 | (207) 536-2742 |
| 4 | Stephanie Greenlaw, Bankers Life Advisory Services Financial Advisor | 360 US-1 Ste 202 | (207) 536-2742 |
| 5 | Varney Agency | 136 US-1 | (207) 883-8229 |
| 6 | Caleb Bowen, Bankers Life Agent | 360 US-1 Ste 202 | (207) 536-2742 |
| 7 | Miller Associates | 636 US-1 Ste JA | (207) 510-6301 |
| 8 | Bankers Life | 360 US-1 Ste 202 | (207) 536-2742 |
| 9 | Hagerman Insurance | 162 US-1 | (207) 883-1411 |
| 10 | HealthMarkets Insurance Agency | 383 US-1 Ste 2E | (207) 883-6502 |
Michelle Raber, a State Farm Insurance Agent in Scarborough, ME, offers a full range of property coverage options tailored to local needs. Service includes personalized policy reviews and periodic reassessments to align coverage with changing home values. The agency provides routine support for policy adjustments and claims assistance guidance. It services single‑family homes, apartments, retail spaces, and restaurants.
Homeowners, property managers, and businesses in Scarborough, Maine seeking home insurance can turn to Foy Insurance, A Division of World. The agency helps clients protect residential structures and personal belongings against common regional risks like coastal storms and winter weather. Services include comparing available coverage options to match individual property values and liability needs. Specific policy details and deductibles are explained clearly before any commitment is made. The agency's services also extend to clients in nearby communities such as South Portland and Cape Elizabeth.
Serving Scarborough, Maine, and the surrounding communities, Hoang Phan, Bankers Life Securities Financial Representative handles a full range of home insurance needs, including coverage for properties, personal liability, and potential weather-related damage. The firm works closely with local homeowners, advising them on policies that address both their structures and possessions. For a typical job, it thoroughly reviews the client's existing coverage, assesses any gaps or risks unique to the home and area, and then presents clear options for balancing protection with affordability.
Stephanie Greenlaw, Bankers Life Advisory Services Financial Advisor in Scarborough, ME, offers both one-time service options for a single property review and recurring service options for ongoing policy management. Coverage includes standard homeowners protection for dwelling and personal property, as well as liability and additional living expenses, tailored to local coastal and inland risks. This home insurance agent operates primarily on an as-needed basis, responding to individual policy inquiries, adjustments, and claims guidance when requested.
Varney Agency serves homeowners and property managers in Scarborough, Maine, helping them secure tailored insurance policies that protect residential buildings and personal belongings from common coastal risks. Its agents guide clients through coverage options for wind, flood, and liability concerns, focusing on keeping local properties financially safeguarded against unforeseen events. The agency also offers services designed to meet the needs of small businesses operating throughout the greater Portland metro area, including nearby Cape Elizabeth.
As a home insurance agent in Scarborough, Maine, Caleb Bowen of Bankers Life offers tailored coverage for dwelling protection and personal property. General services include policy reviews, claims assistance, and advice on liability limits for local homeowners. This agency helps clients evaluate deductibles and bundling options to manage premiums effectively. During Maine’s harsh winter season, it specifically assists with policies covering ice dam damage and frozen pipe repairs.
Miller Associates provides residential property coverage for homes throughout the Scarborough area, offering standard homeowners policies along with specialty add-ons such as flood, earthquake, and valuable personal property endorsements. The agency helps clients assess their unique risks and secure appropriate protection against local weather events and liability concerns. Commercial sectors it can serve include offices, warehouses, and food service establishments requiring tailored business insurance solutions.
As winter storms bear down on Scarborough, homeowners require reliable coverage that stands up to coastal New England weather. Bankers Life helps local policyholders address seasonal risks by evaluating existing plans for gaps in protection against wind, ice, and water damage. A dedicated agent reviews coverage limits and deductibles with each client, tailoring options to their property’s specific exposures in the Greater Portland area and ensuring policy terms remain aligned with current home values. The process begins with an on-site or virtual inspection of the dwelling.
Hagerman Insurance provides residential home insurance services in Scarborough, Maine, along with commercial coverage options for local businesses. The agency serves clients throughout the greater Scarborough area, helping property owners select appropriate policies to protect their homes and assets. Customers can review their coverage with the agent at each policy renewal and receive follow-up service or adjustments between regular visits as their insurance needs change.
HealthMarkets Insurance Agency serves Scarborough, Maine, and the surrounding coastal communities, handling home insurance policies tailored to protect residential properties. It addresses standard coverage needs like dwelling, personal property, and liability, as well as supplementary protections for local weather-related risks. The agency begins each typical job with a personalized consultation, assessing a homeowner’s specific property details and risk factors. It then compares multiple policy options from different carriers to recommend a balanced plan, ensuring the client understands their coverage before finalizing the selection.
What Does a a Home Insurance Agent in Scarborough Cost?
The average cost of home insurance in Maine is around $1,200 to $1,800 per year for a standard policy, but rates in Scarborough can be higher due to coastal exposure and winter weather risks. Factors like home age, construction type, and coverage limits also affect premiums. This is general information and not insurance advice.
About home insurance agents in Scarborough
Home insurance agents in Scarborough, Maine help homeowners protect their property against risks like coastal storms, fire, and liability. Maine law requires insurers to offer windstorm and hail coverage, but homeowners should verify their policy includes it. An agent can also explain how Maine's cold climate affects claims for frozen pipes or ice dam damage.
Frequently Asked Questions
What does a home insurance agent in Scarborough do?
A home insurance agent helps you find a policy that covers your home, belongings, and liability. They explain coverage limits, deductibles, and exclusions specific to Maine risks such as coastal flooding or winter weather. Agents also assist with filing claims and adjusting coverage as your needs change.
Is flood insurance required in Scarborough Maine?
Flood insurance is not required by Maine state law, but mortgage lenders may require it if your home is in a high-risk flood zone. Scarborough has areas near the coast and rivers that are prone to flooding. Standard home insurance policies do not cover flood damage, so a separate flood policy is needed.
How does Maine law affect home insurance claims?
Maine has a statute of limitations of 6 years for filing a lawsuit on a written insurance contract. Insurers must respond to claims within 15 business days and pay or deny a claim within 30 days after receiving proof of loss. These rules help ensure timely handling of claims for Scarborough homeowners.