Lincoln County Insurance Rates:

Lincoln County, ME homeowners insurance is roughly $578 to $785, about $48-$65/month. Our detailed guide reveals consumers can save upto $272 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Average Cost of Homeowners Insurance in Lincoln County, ME

As a homeowner in Lincoln County, Maine, it's important to have adequate insurance coverage to protect your home and belongings. Homeowners insurance is designed to protect your home and belongings from damage or loss due to fire, smoke, theft, vandalism, and other covered events. It can also provide liability coverage if someone is injured on your property.

The average cost of home insurance in Lincoln County, ME, is $794. When purchasing homeowners insurance, you want to be certain that you've taken all reasonable precautions to safeguard your largest investment. There are many possibilities when it comes time to get coverage. It can take time to choose the insurance plan that's best for you. Consider these factors when looking for homeowners insurance in Lincoln County, Maine.

Coverage Level

The amount of coverage you need depends on the value of your home and belongings and the amount of risk you're willing to take on. If you have a high-value home and belongings, you'll need to purchase more coverage to protect them. This will result in a higher premium. On the other hand, if you're willing to take on more risk, you can opt for a lower coverage level and save on your premium. For instance, homeowners in Lincoln County, Maine, who pay coverage of $200K, spend $754 for home insurance. In Lincoln County, Maine, homeowners typically opt for coverage between $100K and $300K, which costs $377 and $1425, respectively.


Your deductible is the amount of money you are responsible for paying out-of-pocket for repairs in case of a covered loss. Your deductible can have a big impact on your homeowners insurance costs. The higher your deductible, the lower your premium will be. This is because you are taking on more of the financial risk yourself, which means the insurance company will have to pay out less in case of a claim. You need to be sure you can afford to pay your deductible in the event of a loss. A good rule of thumb is to choose a deductible that you could comfortably pay out-of-pocket if you had to. In Lincoln County, Maine, homeowners who choose a $500 low deductible pay $784 for homeowners insurance. In contrast, homeowners in Lincoln County, Maine, who choose a high deductible of $2500 pay $570 for their house insurance.

Age of the Home

As the age of the home increases, the cost of homeowners insurance in Lincoln County, ME, will also increase. This is because older homes are more likely to have structural problems that can lead to expensive repairs. In addition, older homes are more likely to be located in areas prone to natural disasters, such as hurricanes and earthquakes. As a result, insurers will charge higher premiums to cover the increased risk. For instance, Lincoln County, Maine's homeowners insurance costs $806 and $825 for houses older than 30 and 50 years, respectively. On the other hand, newly built homes are less likely to sustain damage, and home insurance companies give them significant discounts. For instance, Lincoln County, Maine, offers $595 in insurance discounts for newly constructed homes.

Lincoln County, ME Homeowners Insurance By Home Value

Lincoln County, ME Home Value Total Homes % of Total Average Lincoln County, ME Homeowners Insurance
Less than $50,000 787 7.0% $81
$50,000 to $59,999 174 1.0% $170
$60,000 to $69,999 180 1.0% $211
$70,000 to $79,999 285 2.0% $245
$80,000 to $89,999 419 3.0% $279
$90,000 to $99,999 334 3.0% $313
$100,000 to $124,999 988 9.0% $360
$125,000 to $149,999 713 6.0% $456
$150,000 to $174,999 1,287 12.0% $537
$175,000 to $199,999 1,036 9.0% $619
$200,000 to $249,999 1,811 17.0% $749
$250,000 to $299,999 1,269 12.0% $912
$300,000 to $399,999 1,203 11.0% $1164

Top Home Insurance Agents Near Lincoln County, ME

Home Insurance Company Near Lincoln County, ME Homeowners Insurance Agency Near Lincoln County, ME Address
NA Maine Insurance Agency 1250 Congress St, Portland, ME, 4102
NA Macomber Farr & Whitten One Market Square One Market Square, Augusta, ME, 4330
Liberty Mutual Independent Averill Insurance Agency 4 Walnut Hill Commons , North Yarmouth, ME, 4097
State Farm Dennis Keller 30 Bangor St, Augusta, ME, 04330-4802
Allstate Harold W Bishop Agency Inc 3 Bridge St , Boothbay Harbor, ME, 4538

Lincoln County, ME Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Lincoln County, ME

Streets in Lincoln County Area Homeowners Insurance Cost
Pemaquid Villas Rd, W Ridge Rd, Long Cove Way, S Fowles Ln, Narrow Ridge Rd, Rte 32, Atlantic Ave, Tac Way, Ridge Rd, Academy Hill St$698
Lord Rd, Winslow Hill Rd, Finntown Rd, Quarry Pt Rd, Upper East Pond Rd, Head Gate, Pine Ledge Dr, Youngs Rd, Rooney Ln, R-1$694
Blair Rd, Rial Herald Rd, Old Augusta Rd, Knoll Farm Ln, Bay St, Sidelinger Rd, Elm, Hoffses Rd, Holstein Ln, Pinewood Dr$659
Harrington Rd, S Hunts Meadow Rd, Morton St, Pension Ridge Rd, Fire Rd S16, Belle Acqua Ln, Brick Hill Rd, Beach Hill Rd, Sara Ln, E Shore Rd$675
Medomak Valley Est, Keahail Pt Rd, Fawn Ln, Beach Ln, Pot Hole Ln, Lobster Cove Rd, I8, Biscay Rd, Beach Rose Ln, Cove Field Rd$697
Atlantic Hwy, N Nobleboro Rd, One Pie Rd, Blackberry Ln, State Rte 96, Old Country Rd, Kehail Point Rd, State Rte 144, Pig Cove Rd, Fl E1$709
Colomy Ln, Turner Ridge Rd, Stagecoach Rd, Bog Rd, Walker Rd, Lilac Ln, Taylor Dr, Sand Hill Rd, Wadsworth Hill Rd, Chamberlain Brook Ln$665
Philbrick Ln, Storer Mountain Rd, Middle St, Eames Rd, Breezy Point Ln, Lakehurst Ln, Presley Dr, Mill Rd, Cedar Ridge Rd, Birch View Dr$662
Genthner Rd, Pepper Rd, State Rte 127, Mayo Rd, Wood Ln, Fullerton Ct, Friendship Rd, I179, Sennett Rd, Austin Rd$656
Weaver Rd, B-31-5, Pittston Rd, Boynton Ln, Modockowando Trl, Vigue Rd, Oxbow Ln, Barter Ln, E Branch Rd, Weary Pond Rd$662

Lincoln County, ME Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Lincoln County$101 to $104

Lincoln County, ME Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Damariscotta town, Lincoln County, Maine $104 $138 $207
Bremen town, Lincoln County, Maine $103 $137 $206
Newcastle town, Lincoln County, Maine $106 $141 $212

Lincoln County, ME Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Lincoln County, ME4.6%12.9%

Lincoln County Renters Insurance as a Percentage of Rent

Lincoln County Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 104 5.0% $782
$300 to $499 65 3.0% $1232
$500 to $749 596 29.0% $1907
$750 to $999 693 33.0% $2657
$1,000 to $1,499 443 21.0% $3782
$1,500 or more 128 6.0% $5432

Latest Home Insurance Reviews

The staff work with me, call me back when they say they will and try to help whenever they can.
Wish they had longer business hours or more weekend hours. i work a lot and some of their business hours do not work around my busy schedule to contact them.
State Farm
I really like that my insurance company allows me to have the ability to bundle my insurance together to receive a discount on my entire bill.
State Farm
I have to say I have no dislikes for this company. My parents have used State Farm her whole life and have great relationships with the owners and customer service reps.
Since I have coverage for both auto and home if you try to log in you always get the wrong one and go through a lot of trouble getting the right one. I have never successfully logged into the one I'm looking for the first time even though the only time I do it is in response to an email from them which has a link.
Farmer's Insurance
It's pretty decent. My only issue is that sometimes it takes a minute to find what I need. The UI could be improved a bit.
the premium is very affordable and gives me a great deal of relief knowing that I have good coverage

How To Make Your Lincoln County, ME Home Insurance Cheaper

How Much Does Lincoln County, ME Home Insurance Cost?