Coverage
Coverage for Maine homes, vehicles and small businesses
Personal and business insurance for MCHA members across Maine, placed with the insurance companies we represent, including the homes and businesses other agencies often pass on.
Home
Homeowners, condo & renters
Whether you own a farmhouse, a condo, or rent an apartment, we’ll match the policy to the property and walk you through what is and isn’t covered.
Am I covered? See common gaps for homeowners, condo owners and renters →
Typical coverage
- Dwelling and other structures (garages, sheds, fences)
- Personal belongings, with replacement-cost options
- Additional living expenses if you can’t live at home after a covered loss
- Personal liability and medical payments to others
- Condo unit improvements and loss assessments
- Options to ask about: water & sewer backup, equipment breakdown, scheduled jewelry and valuables
Manufactured homes
Manufactured & mobile homes
Manufactured homes need insurance written for how they’re built and where they sit. We quote single- and double-wides, older units, and homes on owned or leased lots.
Am I covered? See 22 situations a homeowners policy may not cover →
Typical coverage
- The home itself, plus attached decks, porches, and additions
- Sheds and other structures
- Personal belongings and additional living expenses
- Personal liability
- Replacement cost vs. actual cash value, explained clearly
Auto
Auto insurance
From the daily commute to deer season on back roads, we’ll help you set limits that protect what you’ve worked for, not just the state minimum.
Am I covered? See 20 situations drivers run into →
Typical coverage
- Bodily injury and property damage liability
- Uninsured / underinsured motorist
- Collision and comprehensive (including animal strikes)
- Medical payments
- Rental reimbursement and roadside options where available
Umbrella
Personal umbrella
An umbrella policy adds a layer of liability protection above your home and auto policies. It’s often more affordable than people expect.
Am I covered? See what happens when a lawsuit tops your limits →
Typical coverage
- Extra liability limits above home and auto
- Protection for lawsuits, injuries on your property, and serious auto accidents
- Coverage that follows your household
Landlord
Landlord & rental property
Our founder manages rental homes across central Maine, so we understand what landlords actually need, from a single unit to a small portfolio.
Am I covered? See 20 situations rental owners run into →
Typical coverage
- Dwelling coverage for 1–4 unit rental properties
- Loss of rental income after a covered loss
- Premises liability
- Other structures on the property
- Options for vacant or seasonal properties
Small business
Small business & tradespeople
Contractors, trades, shops, and service businesses need coverage that fits the work. We’ll help you put the right pieces together.
Am I covered? See 21 situations business owners run into →
Typical coverage
- General liability
- Business owners policy (property + liability)
- Commercial property
- Tools and equipment (inland marine)
- Commercial auto
- Workers’ compensation
Coverage availability, terms, and pricing depend on the insurance company, underwriting, and your policy. Descriptions on this page are general and are not part of any insurance contract.
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.