For members of Maine Community Home Alliance and Harbor Point Property Services, and for Maine organizations
We help keep your home from having a claim, and we’re in your corner when it does.
MCIA is the insurance agency for members of Maine Community Home Alliance (a Maine benefit corporation) and Harbor Point Property Services, and for Maine companies, nonprofits, schools and public agencies. We know Maine houses from the crawl space up, we shop the insurance companies we represent for you, and we back every policy with real help to prevent losses.
Why MCHA members choose MCIA
We compete on price and on everything that comes with the policy.
Insurance companies file their rates with the state, so the same policy from the same company won’t cost you less anywhere else. With MCIA, that same price comes with MCIA Prevent, a $50 heating-fuel gift card each year, and an agent who returns every phone call and email within 24 hours (usually less).
Andrew McRichardsOwner & Agent. Meet Andrew →
- PreventMCIA Prevent: an annual home safety inspection, tire checks and practical fixes that stop fires, water damage and winter freeze-ups before they turn into claims.
- PlaceWe compare the insurance companies we represent and look hardest for the homes and businesses other agencies pass on.
- AdvocateWhen you have a claim, we help you through it, with real contractor know-how about what a repair should involve.
- Stay with youAn annual coverage review, updates when your home or life changes, and every phone call and email returned within 24 hours (usually less).
Coverage we offer
Personal insurance for MCHA and Harbor Point members, and commercial insurance for Maine companies, nonprofits, schools and public agencies. That includes the homes and businesses other agencies often pass on: manufactured homes, older rural houses, small landlords and the trades.
Homeowners
Year-round houses, capes and farmhouses, including older homes and alternative heat.
Condo
Unit owners’ coverage that fills in around your association’s master policy.
Renters
Your belongings and personal liability, wherever you rent in Maine.
Manufactured home
Single- and double-wide homes on owned or leased land.
Auto
Cars, trucks and household drivers.
Umbrella
Extra liability protection above your home and auto policies.
Rental property
Landlord coverage for one unit or a small portfolio.
Small business
General liability and property for Maine tradespeople and small shops.
Am I covered?
Would your insurance actually pay?
Most people find out what their policy doesn’t cover after something goes wrong. Check 116 real situations Maine homeowners, renters, landlords, drivers and business owners run into, and see where the common gaps are before you need to know.
Check your coverage →How we work with you
- Talk it throughA conversation about your home, vehicles, family and what worries you most. No forms full of jargon.
- Review what you haveWe read your current policies with you and point out gaps, overlaps and deductibles that don’t fit.
- Compare your optionsWe compare coverage from the insurance companies we represent and show you what changes at each price.
- Choose with confidenceYou decide. We explain the tradeoffs and never pressure you to switch.
- Stay coveredAn annual review, help when you file a claim, and updates when your home or life changes.
MCIA Prevent
Available to every MCIA policyholder
We earn money by insuring you. We reinvest part of that revenue into helping prevent the claims that disrupt your life.
Annual home safety check
An experienced inspector checks the things most likely to cause a fire, gas leak or water damage, and leaves you a free fire extinguisher.
$39.99
Small fixes, fair prices
Dryer vent cleaning, detector replacement, leak sensors, a quick tire check. Only when something actually needs doing.
From $5
Winter freeze protection
A thermal-camera scan for pipes at risk of freezing, before a Maine cold snap finds them first.
From $49
Three companies, one Maine homeowner in mind
MCIA works alongside two related companies. Each has its own job, and you choose which ones to use.
MCHA
Maine Community Home Alliance
A Maine benefit corporation and paid homeowner membership: heating fuel savings, practical home guidance and access to home services. MCHA does not sell insurance.
MCIA
Maine Community Insurance Agency
A separately licensed Maine insurance agency serving MCHA and Harbor Point members, plus Maine companies, nonprofits, schools and public agencies. We advise on and place coverage with the insurance companies we represent.
Granite Coast
Granite Coast Home Services
A home service company for repairs, renovation and maintenance. It works under its own estimates and contracts and does not sell insurance.
Get a coverage review
Tell us about your home and what you’d like covered. We’ll get back to you within 24 hours (usually less) to talk through your options. No pressure to switch.