Plain answers to the questions we hear most
Quotes, claims, billing and how an independent agency works. If yours is not here, call and ask a licensed agent.
Quotes & coverage
5 answers
We are not employed by one insurance company. We represent many carriers, compare their prices and coverage for you, and stay your agent if you move between them.
Auto and renters quotes usually take one conversation. Homeowners and business quotes take a day or two while we build replacement cost estimates and compare carriers.
No. Carriers pay agency commissions from the same premium you would pay buying direct, and our comparison often finds a lower price.
Yes, through the National Flood Insurance Program and private flood carriers. Flood is excluded from homeowners policies, so we review it for every coastal and riverfront home.
Usually, but not always. We quote bundled and separate options and show you the difference in writing.
Claims
4 answers
Either works, and calling us first helps. We report the claim, explain what the policy covers and stay involved until it is settled.
Yes. Our claims line at (207) 555-0139 routes to a licensed agent or the carrier's 24/7 claims team after hours.
It can, depending on the type and size of the claim and the carrier. We talk through small losses before you file so you can make an informed choice.
Make sure everyone is safe, prevent further damage with temporary repairs, take photos and keep receipts. Then call us.
Billing & policy changes
4 answers
Most carriers accept online payments, and we can take payments by phone or at our Fore Street office. The service center page lists every option.
Email or call us with the VIN or driver license details. Changes are usually confirmed the same business day.
Yes. Business clients usually receive certificates within a few hours during business days.
Carriers send a cancellation notice with a grace period. Call us right away and we will help you reinstate coverage.
Our agency
3 answers
212 Fore Street in Portland's Old Port. We serve clients throughout Maine by phone and video.
Every agent holds a Maine property and casualty license, and several are also licensed for life and health.
Most clients live in Maine, and we can also insure clients in New Hampshire and Massachusetts.
Still have a question?
A licensed agent answers weekdays from 8:30 to 5:00, and the claims line is open around the clock.
Compare a dozen carriers in one call
Tell us what you need to protect. A licensed agent on Fore Street shops it, explains it, and sends a clear side-by-side, usually within one business day.
No obligation. Licensed agents. Coverage subject to policy terms.