Am I covered?

Something goes wrong. Would your insurance actually pay?

Pick who you are, then browse more than a hundred real situations Maine households and businesses run into. See what a typical policy usually does, where the common gaps are, and exactly what words to look for in your own policy.

Start exploring Have us review your policy

How to read the answers

Every situation gets one of five general answers.

1
Grab your policyHave your declarations page and list of endorsements handy, on paper or in your insurer’s app.
2
Explore your situationsOpen any scenario to see the usual answer, a dollar example, and the policy terms to search for.
3
Build your review listMark what you have, what you don’t and what you’re not sure about. Bring the list to a free review, or upload your policy with your request.

Step 1

Who are you insuring?

Choose the one that fits best. You can switch any time, and many people will want to check two or three.

Step 2

Check your own policy

Where to look on your policy

Most of what you need is on two or three pages. You don’t need to read all forty. Here’s where the answers usually hide.

1
Declarations pageThe summary at the front: your coverages, limits and deductibles. Look for liability limits, Other Structures, Loss of Use and any separate wind deductible.
2
Endorsements listUsually on the declarations page as form numbers and names. This is where add-ons like water backup, equipment breakdown and scheduled jewelry show up.
3
Exclusions and special limitsIn the policy form itself. Search the PDF for the terms shown on each scenario, like “seepage”, “vacancy” or “special limits”.

Not sure what you have?

Let’s look at your policy together.

Every coverage choice is a trade-off between price and protection. We’ll read your current policy with you, show you where the gaps are, and help you decide which risks are worth insuring, which you can reduce, and which you can live with. No pressure to switch.

Request a free coverage review Call (207) 815-2527 Office hours: Monday–Friday, 9 am–4 pm.
We return every call and email within 24 hours (usually less).

Please read: These scenarios are general, educational examples of how common insurance policy forms often respond. They are not a statement of coverage and do not change any policy. Policy forms, endorsements, limits, deductibles and exclusions vary by insurance company and by policy, and the facts of every loss are different. Whether a specific loss is covered depends on your policy’s actual terms and the insurance company’s claim decision. Dollar examples are illustrative and simplified, and generally leave out deductibles. Ask us to review your own policy before relying on any of this information.

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