What we insure
Homeowners insurance
Dwelling, belongings and liability for the house you live in, priced on what it costs to rebuild in Maine.
Sample premiums from $96 a month. Sample figures.
View details for homeowners insuranceInsurethe lifeyou'vebuilt
Home, auto, boat, business and life coverage compared across fourteen carriers by an independent Portland agency that has answered its own phone since 1952.
74+Years on Fore Street
- Homeowners
- Auto
- Renters
- Condo
- Life
- Business owners
- Commercial auto
- Personal umbrella
- Workers' compensation
- Farm & rural property
- Boat & marine
An agencythat worksfor you
Cedar & Stone is an independent agency, which means we do not work for one insurance company. We work for the families, boat owners, farmers and shop owners of Casco Bay, and we move your policy when a carrier stops treating you fairly.
More about the agency
Auto insurance
From Maine's minimum limits to full coverage, with help that goes past the phone number on your ID card.
Sample premiums from $78 a month. Sample figures.
View details for auto insurance
Renters insurance
Your belongings and personal liability in an apartment on Munjoy Hill or a rented house in Westbrook.
Sample premiums from $14 a month. Sample figures.
View details for renters insurance
Condo insurance
Walls-in coverage that fills the gaps your association's master policy leaves behind.
Sample premiums from $32 a month. Sample figures.
View details for condo insurance
Boat & marine insurance
Agreed-value hull and on-water liability for sailboats, center consoles, lobster boats and everything moored in between.
Sample premiums from $34 a month. Sample figures.
View details for boat & marine insurance
Business owners (BOP) insurance
Property, general liability and business income in one package for shops, offices and restaurants.
Sample premiums from $64 a month. Sample figures.
View details for business owners (bop) insurance
Life insurance
Term and permanent life insurance sized to a real household budget and a real mortgage.
Sample term premiums from $22 a month. Sample figures.
View details for life insuranceWhy Cedar & Stone?
Fourteen carriers, one conversation
We quote the same limits with several companies and show you the differences side by side. You explain your life once.
A person answers, day or night
Our office line is answered by licensed agents, and the claims line reaches a real person at 2 am in a nor'easter.
Claims help that stays with you
We open the claim, meet the adjuster when an estimate looks short, and follow it until you are paid.
Priced on the rebuild
Every home gets a replacement cost estimate for Maine labor and materials, reviewed again at each renewal.
The agency at a glance
74 Years
On the Portland waterfront since 1952
9,200+ Clients
Households and businesses we insure
14 Carriers
Compared for every quote we write
4.9 Rating
Average from 612 reviews (sample)
What would your house cost to rebuild?
Most coastal Maine homes are insured for what they cost years ago. Move the dials to see a sample rebuild estimate for today.
Estimated rebuild cost
$453,250
- Suggested dwelling limit
- $465,000
- Sample annual premium
- $1,920 to $2,650
- Wind deductible
- Standard deductible likely
Sample figures for illustration using average 2026 southern Maine construction costs. Your actual estimate and premium depend on a full review.
