Preventing Clothes Dryer Fires

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Now that the Maine weather is turning cooler, many families will be using their clothes dryers more frequently. As a Maine fire insurance agent, we urge you to be careful when using your dryer to avoid the tragedy of a fire in your home, apartment, condominium or business property.

The National Fire Protection Association estimated that nearly 18,000 dryer fires occurred in the U.S. in 2006, killing or injuring more than 350 people, and causing nearly $200 million in property damage.

Common Causes of Dryer Fires

Clothes dryer fire
Dryer fires cause $200 million damage annually. (City of Fitchburg, WI photo)

The leading cause of dryer fires is failure to properly clean the appliance. Lint can build up in the exhaust duct or the dryer itself. This blocks the flow of air, causing heat to build up to the point of combustion. Another common cause is heat build-up in the clothes being dried. This can occur when clothing that the manufacturer labels to be air-dried is placed in the dryer. Clothing with padding is a common culprit; heat builds up in the dense fabric. Clothes that have been soiled with flammables such as gasoline or paint thinners can also cause fires if they are not thoroughly cleaned first.

Dryer Fire Prevention Tips

  • Clean the lint screen before or after each load.
  • Periodically clean the dryer vent and duct. If you notice that your dryer is taking longer than normal to fully dry your clothes, this can indicate a blocked exhaust duct. Check the outside vent while your dryer is running to be sure that air flow is steady and strong. Don’t forget to reconnect the ductwork after cleaning!
  • Install a metal exhaust duct, not the plastic accordion-style ductwork.  Rigid ductwork is better than the flexible type, which can more easily trap lint.
  • Follow clothing manufacturer cleaning instructions. If the label says “air dry”, don’t put it in the dryer.
  • Keep the area around your dryer free of clothing and clutter.
  • Vacuum behind the dryer to prevent lint buildup.
  • Promptly remove dried clothes from the dryer. Do not leave them in the appliance or piled in a laundry basket.

Following these safety tips can help you avoid having to report a homeowners insurance claim, and keep your property and family safe. If you are looking for a Maine independent insurance agency representing many preferred homeowners and condo insurance companies, contact Noyes Hall & Allen Insurance at 207-799-5541.

Does Insurance Cover Damage From Water Main Breaks?

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After the recent rash of water main breaks in South Portland Maine, many locals wonder if their Maine business insurance policy or Maine homeowners insurance covers water damage from such an occurrence.  Here are some answers, depending on what kind of Maine insurance policy you purchased.

Is the Water District Responsible for Broken Water Mains?

In general, Maine public utilities are not considered liable except in cases of negligence. If they were repairing a main and forgot to shut off the water before disconnecting, causing a flood, you might have recourse. If the break is caused by an unforeseen circumstance, wear & tear, etc., you are probably on your own to repair the damage.

Basic Insurance Policies

Off-the-shelf Maine business property insurance policies do not cover water backup or flood damage. Neither do basic  Maine homeowners, renters or condominium policies. While most do cover damage from leaking, freezing, or breaking of plumbing fixtures and appliances on the premises, damage from water that comes from the ground or under the ground is excluded.  The two most common coverages that you can purchase are Water Backup Coverage , Underground Line Insurance Coverage and Flood Insurance.

Water Backup Insurance Coverage

Maine businesses and residents can purchase an endorsement to their property insurance policy that covers backup of sewers and drains. Water backup insurance is relatively inexpensive, because it only covers damage from water that backs up into your building. Damage from surface water or seepage through a foundation are not covered. If the water main break caused your drain to overflow, backing water into your building, you may have coverage. Unfortunately, that’s not usually what happens with a water main break. Usually, the water bubbles to the surface and inundates an area. To get coverage for that, you need to buy flood insurance.

Underground Line Insurance

Some Maine insurance companies now offer underground service line coverage. They have a coverage limit – often $10,000, with a $500 deductible. Insurers now selling this coverage in Maine include Andover Companies, Concord Group and Vermont Mutual. Some sell the coverage a la carte, while others include it in a special bundle of coverage. In all cases, you have to purchase it – it’s not automatically covered by homeowners policies.

Related Post:

More Maine Home Insurers Cover Water & Sewer Lines

Flood Insurance in Maine

Only a small percentage of residents and businesses in Greater Portland purchase Maine Flood Insurance. That’s unfortunate. They think that because they’re not in an area that susceptible to flooding, they’ll take their chances. Maybe they never even thought about buying flood insurance.  But, many events can cause a flood, from heavy rains to hurricanes to snowmelt.

To be defined as a flood, surface water must cover area that is normally dry land. If that area is more than 2 acres, or at least 2 contiguous property parcels are affected (including yours), you have experienced a flood. The only way to buy flood insurance is to buy a special flood policy (except for specially policies generally reserved for large corporations and commercial projects). Flood insurance policies exclude damage from water than seeps or leaks onto your property, unless a flood was the proximate cause of the leak.

If your home or business is in southern Maine, we would be happy to answer your questions about insuring your property. We have provided Maine business property insurance and personal insurance services to the Portland Maine area for more than 75 years. Contact a Noyes Hall & Allen Insurance agent at 207-799-5541.

WreckCheck App Review: What do Do After an Auto Accident?

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We recently tried WreckCheck, a new free app from the National Association of Insurance Commissioners (NAIC)  that promises help reporting an auto accident to your insurance company.  In our opinion,  it’s the best auto-accident app we’ve seen yet.

WreckCheck allows you to enter your insurance policy information ahead of time, so you’ll have it handy in case of accident (Make sure you your insurance card is also in the glove box , in case your phone is missing or damaged).

What to Do After an Auto Accident

Even the most level-headed person can be flustered after an accident. What to do first? What information do I need? That’s where WreckCheck comes in. Just open the app and follow the prompts. The screens are simple and easy to use.

WreckCheck's Checklist Screen
The opening screen is simple and easy to use.

First, WreckCheck has a big red button to call 911. After you’ve reported the accident, if you’re safe and well enough, the app really becomes useful.

WreckCheck captures the accident’s location using your phone’s GPS, and prompts you to record the scene using your smartphone camera and microphone. There’s also a free-form text box to explain what happened. Finally, there’s a simple form prompting you for  information about the other vehicle, driver and passengers, including their insurance info. You can even record information about the responding police officer.

Once you’re done, email the whole report to your Maine auto insurance agent with the push of a button. WreckCheck is available in Apple iOS and Google Android format.

We like WreckCheck for several reasons:

  • It’s thorough. The app prompts you to gather all of the information your insurance company would need to start a claim.
  • It’s easy. The user interface is clean, and you can enter information by photo, voice or text.
  • It’s flexible. Many insurance companies have their own apps, which is great until you decide to shop for auto insurance and switch companies. With WreckCheck, you simply update your policy data and your insurance contact information. Even better, if you use a Maine Trusted Choice agent – who represents several insurance companies, all you have to do is change your company and policy number in the app. It can even be used to report commercial vehicle insurance claims.
  • It’s FREE!

 If you are looking for a locally-owned tech-savvy Portland Maine area insurance agency that offers a choice of many preferred insurance companies to protect your home, autos, toys or business, you should contact Noyes Hall & Allen Insurance. We’re independent and committed to you.

Which Are The Largest Home and Auto Insurance Companies in Maine?

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Are you shopping for Maine car insurance or Maine homeowners insurance? You might be interested to know what insurance companies your neighbors have chosen. The Maine Bureau of Insurance gathers and reports data on the largest insurers in the state. We’ve compiled it below.

2011 Maine Homeowners & Auto Insurance Market Share Leaders
(click to enlarge)

Surprised?

Insurers that spend the most on advertising aren’t always the biggest. A certain direct writer with a cold-blooded spokesman spends $1 billion a year on advertising. It’s hard to watch TV or listen to the radio without being exposed to one of their ads. But, they’re not even in the top 5 insurers in Maine.

Companies that sell primarily through Maine independent insurance agents spend far less on advertising. They rely on the agents who represent them (like us) to recommend their company when it best fits our clients’ needs. That’s why some of the top insurance companies in Maine like Concord Group or Peerless Insurance may not be household brands, but are actually IN more households than some of the “big names”.

Here’s a detailed list of the 26 largest insurers of homes and autos in Maine:

List of the 26 largest home and auto insurers in Maine in 2011

 

If you think this is surprising, stay tuned for our report on insurers’ complaint ratios in Maine.

If you have questions about Maine home and auto insurance, we’re happy to help. Contact Noyes Hall & Allen Insurance in South Portland at 207-799-5541.

 

Should You Share Your Car? Think Twice!

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Car sharing services like Zipcar and U Car Share have grown in popularity, as more city dwellers eschew car ownership, preferring to rent a vehicle when they need one. This seems to be an innovative, cost-effective and sensible way to solve personal transportation needs for many Americans.

We have followed this trend for several years, providing insurance advice about using a car share service, and cautioning our clients to protect themselves first. After all, when you’re sharing a vehicle, you could potentially be sharing something much more important: liability.

The car sharing idea has evolved even further. Now, private vehicle owners can offer their vehicles for rent through peer-to-peer car sharing services like RelayRides. It’s sort of like Zipcar in reverse: you can rent your idle vehicle to someone who needs it temporarily. Realizing that insurance companies would not approve of (or cover) this kind of use, RelayRides offers a $1 million liability policy. That’s more liability coverage than most people have on their own personal auto policies. But believe it or not, it may not be enough.

Take the case of Massachusetts resident Liz Fong-Jones, a 24-year-old MIT grad and Google alum. Ms. Fong-Jones shared her car through RelayRides. The driver was killed in a tragic accident, and 3 passengers were critically injured. Suddenly, $1 million may not be enough insurance. If the accident damages exceed that, who will be responsible? Probably not Ms. Fong-Jones’ insurer; personal auto policies exclude such behavior.

Will that leave Ms. Fong-Jones’ assets and future earnings vulnerable to lawsuit? That remains to be seen. But, it is another cautionary tale about using car share services. This is just the scenario we were worried about with our original posts 3 years ago.

If you have questions about insurance for renting a car for business or personal use, or would like to know more about how car sharing affects your Maine auto insurance, contact Noyes Hall & Allen at 207-799-5541.

 

How to Register a Car or Truck in Maine

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If you’ve recently moved to Maine or bought a car, you’ll need to register your vehicle in Maine. Before you can do that, you’ll need to provide proof  of  Maine auto insurance and pay excise tax at your local city or town hall.

It takes a little time, but it’s not a very complicated process.

1) Buy Maine Auto Insurance – Maine law requires you to carry at least minimal liability insurance. If you have a loan or lease on your vehicle, you’ll also need to buy physical damage coverage (commonly called “comprehensive and collision”). If you have moved to Maine, you will need to insure your car here in order to register it here. If you live in Southern Maine, you can get up to 5 Maine auto insurance quotes at once on our web site, or simply call us for a quote. If you have a Maine commercial vehicle, insurance is still required. Call Noyes Hall & Allen for a business auto insurance quote.

Noyes Hall & Allen Insurance can send proof of insurance to your smartphone
Noyes Hall & Allen can send proof of Maine car insurance to your smartphone.

Your insurance company or agent will provide you with an insurance card. You’ll need to bring that to…

2. Pay Maine Excise Tax  at your local city or town hall. Most municipalities accept faxed or emailed insurance cards if you forget yours. We can also email one right to your smartphone, and you can simply show it to the person at the excise tax desk. If you’re re-registering a vehicle, you can do that at the same time at many municipal offices. If you’re registering a vehicle for the first time, though, you’ll need to….

3. Register Your Vehicle and Pick Up Your Plates at a Maine Bureau of Motor Vehicles location. Generally, the fee is $35.00 a year for personal vehicles, unless you have a specialty plate. You’ll need to bring evidence that you’ve paid your excise tax and your proof of insurance.

Re-registration is usually an easy process. Simply bring your proof of insurance to your city or town hall. Many municipalities allow you to pay excise tax and registration right there – no need to go anywhere else.

If you have questions about insuring Maine personal or business vehicles, contact our experienced Portland Maine area insurance agents at 207-799-5541.

Does Your Car Insurance Cover a UHaul Truck?

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The first of the month is a busy time for UHaul, Ryder and other truck rental shops. Pizza shops and beer stores too, as people bribe their friends to help them move. Our clients often ask if their Maine auto insurance policy covers them when they rent a truck.

Our answer is based upon Maine’s most common auto insurance forms, the ISO Personal Auto Policy. Check with your agent to be sure about your coverage.

As long as you’re renting for personal, not business use, your auto insurance protects you for liability, uninsured motorist and medical payments – NOT physical damage (“comprehensive and collision”). So, we recommend purchasing the Collision Damage Waiver coverage that the truck rental agency sells.

By the way, we’re talking about a big truck here – not a 1/2 or 3/4 ton pickup. If you rent one of those, they’re covered the same way a rental car is.

Does Maine Auto Insurance Cover a Rented Trailer?

As long as it’s for personal use, your liability coverage applies just as for the renting a car or truck. Physical damage coverage is limited to $1,500. If the value of the trailer you rent is greater than $1500, buy the CDW coverage offered by the rental agency.

Does My Business Auto Insurance Cover a Truck Rented for Business Purposes?

If your business purchased Hired Auto coverage (part of a businessowners insurance policy or a business auto policy), you may have liability coverage. There are ways to cover the physical damage to a truck you rent for business. Contact your Maine business insurance agency for answers.

See our blog post for information about insuring a rental car on your Maine auto insurance policy. If you have questions about Maine auto insurance or Maine commercial vehicle insurance, contact Noyes Hall & Allen Insurance at 207-799-5541.

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Homeowners Insurance and the Party Host

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It’s summer in Maine, the short, sweet season we all wait for. Our social calendars fill up this time of year. From back yards to beaches, function halls to to city streets,  it seems there’s a festival, party, wedding or other event to celebrate every weekend.

If you host a party, are you liable for injuries to a guest? What if you rent a hall? Does it make a difference if you provide alcohol for your guests, or they bring their own? Are you responsible for your guests after they leave? If you are liable, does your Maine homeowners insurance cover you? Here are some answers.

What is Negligence?

To be legally liable for injury or damage, you have to be found negligent. Negligence is a very complex subject. There are entire books written about the subject. But at its most simple, negligence requires 4 things:

  • A duty of reasonable care – for example to keep your steps in good condition.
  • A breach of that duty –  e.g. leaving your child’s tennis ball on the stairs.
  • Harm – injury to a person or damage to property – e.g. your guest, a Division I scholarship pitcher, falls down the stairs and breaks his pitching arm.
  • Proximate cause – e.g. the ball caused the guest to fall, which caused the injury.
Let’s consider some possible party scenarios, and how your Maine homeowners insurance, condo or renters insurance might respond.

Someone is Injured at Your Home

You hold a high degree of care to people you invite onto your premises. If you host a party for your son’s baseball team, you could be considered liable if:

  • someone twists their ankle in a hole in your yard;
  • someone slips on water in your kitchen;
  • your deck collapses when people are on it;
  • someone is injured when horsing around the deck of your pool.

Homeowners, Condo or Renters Insurance – If you’re negligent, the liability section of your policy would pay damages to people who are injured, along with any legal expenses to defend you.

Someone is Injured Away From Your Home

If you rent a function hall or hotel for a wedding  reception, bat mitzvah or other party, you will probably sign a contract. The contract specifies who is responsible for any damage or injury. The hall may ask you for proof of Maine liability insurance. Usually, your homeowners or renters insurance is sufficient. For an large or involved function, you may need to buy Special Event Insurance. Your local Maine insurance agent can help you evaluate this.

Homeowners, Condo or Renters Insurance – Your local agent can help you evaluate the contract and whether the liability section of your policy would pay damages  or legal expenses to defend you.

Hosting a Party With Alcohol

There is a special area of negligence called “host liquor liability”. In short, if you provide alcohol to guests, the chances of injury or damage increase. You may be held responsible for injuries or damage caused by intoxicated guests, even after they leave your premises. The best way to protect yourself is to hire a professional bartender, and ask them for proof of insurance.

What if your party is not at your home? It doesn’t matter; if you are the host or organizer of the party, you can be found responsible.

What if your party is BYOB? You’re still not off the hook. If you allow people to consume too much alcohol on your premises, or allow them to leave while drunk, you might be found responsible for the consequences. Needless to say, if you allow minors to consume alcohol, you can be subject to criminal law and penalties, not just negligence law.

Homeowners, Condo or Renters Insurance – Most policies provide liability coverage for host liquor liability at your home or another location, as long as you’re not charging for alcohol.  No insurance policy covers criminal penalties or defense against criminal allegations.

If you are a Maine resident, and have questions about insurance, we’re happy to answer them. Contact a Noyes Hall & Allen agent at 207-799-5541. We’re independent and committed to you.

Protect Your Maine Retail Store From Theft

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Organized Retail Crime is widespread and on the rise, according to a recent survey by the National Retail Federation. A record 96% of the 125 retail survey respondents reported being the victim of organized retail crime in the past year, and almost 88% said that Organized Retail Crime had increased in the past 3 years. The survey respondents cited special concerns in cargo theft, fraudulent returns or gift cards, and collusion.

Organized Retail Theft in Maine

Maine retail business insurance clients have not been immune. From the Maine Mall to Main Street, Portland to Maine’s most rural outpost, clothing shop to convenience store, business insurance claims for theft are filed every day.

Organized theft is a special problem says Curtis Picard, Executive Director of Maine Merchants Association. “These are not people stealing to feed their families; these are not crimes of convenience. These are groups or gangs purposely stealing specific items with the intent to resell them and they do hit Maine.”

Organized retail theives don’t target a specific store. They target specific items. They want higher value items that are widely used and easy to steal in quantity. Popular targets are baby formula, over the counter medications and believe it or not, Tide Laundry Detergent.

“The internet has made it so much easier to resell these items. Search Prilosec or Crest White Strips on a site like eBay; you will see numerous listings for these items featuring ‘new in box’ or ‘original packaging’. Chances are these items were stolen”, Picard says.

Employees of a well-known store in Kittery can sometimes spot vans unloading several individuals who spread out to hit multiple stores at once, Picard says. It doesn’t matter where your store is – only what you sell. If your store has the items they are looking for, you may be a target.

Retail Fraud in Maine

Theft of items is only one problem, according to Picard. “UPC Code swapping, fake receipts and gift card theft are other forms of Organized Retail Crime. Thankfully, Maine retailers and law enforcement maintain a good relationship and get together at various times during the year to share information about groups. That cooperation has lead to more arrests and better prevention.”

Maine Merchants’ web site has .pdf copies of Maine Police Intel Bulletin for Retail, that provide some examples, including:

  • Pharmacy thefts in Southern and Central Maine
  • Convenience store and credit union robberies in Portland
  • Burglary in Fort Kent
  • Electric motors stolen in Oxford County
  • Burglaries in Freeport, New Gloucester and other areas.

Unfortunately, the funding for that crime bulletin has dried up, according to Picard. Yet the risk to Maine retailers remains.

Protect Your Retail Business Against Crime

Educate Yourself and Your Employees – Thieves are constantly adapting and trying new techniques. Joining  an organization like Maine Merchants can help you keep on top of trends through newsletters, meetings and other communications.

Get Involved in Your Neighborhood – Membership in a neighborhood business association like Portland’s Downtown District, South Portland Buy Local or the South Portland Waterfront Market Association  opens a channel for you to communicate and collaborate with other businesses in the area. It’s a great way to stay on top of changes in your neighborhood, from street construction to crime trends.

Protect Your Business – Invest in an alarm system. Install video cameras in areas where cash or high-value inventory is kept. Improve the lighting around your premises. Move target items to visible areas where you can keep an eye on them. Better yet, lock them up. Establish a policy to assure that employees are visible and vigilant in your store.

Buy the Right Insurance – Fortunately for most Maine business, property insurance is widely available to cover the peril of theft. Most smaller Maine retailers  purchase a Businessowners policy, which provides a bundle of commonly-needed coverage to protect them against theft and other property and liability perils. Larger retailers usually purchase a Commercial Package Policy. These can provide  similar coverage, but are more customized to the individual business.

If you are a Maine business owner or manager and have questions about business insurance, contact a Noyes Hall & Allen agent at 207-799-5541. We represent many different commercial insurance companies and can help you find the right fit for your business. We’re also a founding member of the Katahdin Alliance, a group of independent Maine insurance agents with offices from York to Augusta, Kennebunk to Carrabassett Valley. So, if your business extends beyond Greater Portland, we can support you.

When Should You Change Insurance Companies?

Posted on by Bob O'Brien

Is it time to shop insurance or change insurance companies? No one enjoys doing it, but sometimes it’s necessary. When is it smart to change insurance companies? How much savings is enough to make a switch?

When you shop insurance or change insurance companies, compare cost, savings and risk.

We’ve all thought it:

“My homeowners insurance bill went up again!”

“I’m paying too much for car insurance!”

“I need to cut my business insurance costs!”

“My insurance company wants me to repair my house, and I don’t have the money!”

What’s the Threshold to Change Insurance Companies?

Everyone’s different. Some clients choose to stay with their current insurer in spite of $300 savings per year for similar coverage. Others want to switch insurance companies to save a fraction of that, and with a higher deductible. Neither is right or wrong. It depends on your risk tolerance and price sensitivity.

Can Your Agent Shop Insurance For You?

Does your insurance agent represent more than one company? One reason people choose Noyes Hall & Allen, a Portland Maine Independent Insurance Agency is that we represent several insurance companies. This offers you the ability to shop and change insurance companies without having to start a whole new  relationship.

Because we represent so many insurers, we have a good handle on market conditions. We review most policy renewals every year. If we question whether a policy remains competitive, we compare options.

That usually happens in one of three scenarios:

  • Excessive Price Increase – the premium increases by more than the current market rate change percentage.
  • You’ve been with one insurer for many years – Even if you never had an excessive premium increase, your rates can creep above the market over the years. We can check options to make sure that your current insurance company is still the best value for you.
  • New company or coverage options – Once in a while, a new insurance company enters the market, or an existing company offers an important new coverage that you don’t currently have. That might cause us to compare options and present them to you.

 Related Post: When a Great Car Insurance Quote Isn’t

Changing Insurance Companies: Savings

Changing insurance companies is not to be done lightly. You can save money, but there are costs and risks to consider, too. If the savings outweigh the risks, maybe it’s time to change insurance companies. We can help you evaluate that.

Saving Money When You Change Insurance Companies

It’s easy to measure savings – or is it?

Insurance is a competitive business. Companies compete on price, coverage and service. You may find savings of $300 per year. Is that for similar coverage – or does it transfer more risk to you? An insurance agent can tell you the difference.

  • Compare “apples to apples” as close as possible.
  • Check liability limits, property deductibles, and type of coverage.
  • Consult an insurance agent to help you review quotes. A good agent will tell you if their program is not the best for you. Pay attention to their answer.

Costs to Change Insurance Companies

How much is an hour of your free time worth? It can easily take 3 -5 hours to switch insurance. You have to:

  1. Research insurance companies,
  2. Choose one (or more) to get quotes from
  3. Provide information for quotes
  4. Compare the quotes and coverage
  5. Apply for a policy
  6. Cancel your old insurance
  7. Set up new billing arrangements.

An independent insurance agency that represents many companies, and can save time. But even if you use an IA you can’t eliminate these steps completely. It still takes time. And time is money.

  • Cost of Lost Benefits
    Many insurance companies reward longevity. Some offer insurance discounts to customers who are claim-free for 3 or more years. Others are more lenient in underwriting or billing for long-term clients with a good payment or claim history.

    Estimate a dollar value on those lost benefits and advantages when deciding whether to change insurers. Your insurance agent can help. If you think the savings outweigh the costs, you may want to change. If not, stay put.

Risks of Changing Insurance Companies

  • Risk of Losing Coverage  
    Insurance companies’ coverage can vary a lot. When you change companies, it’s difficult to impossible – even for an experienced insurance agent – to duplicate the coverage you had before. Trying to match coverage on your own (on a web site or 800 number)? That’s risky. A local insurance agent can help you evaluate and discuss whether there are important differences.
  • Risk of a New Insurance Company
    It’s expensive for insurance companies to underwrite new policies. To control costs, they quote your insurance using a “quick qualification” process. They only spend money on expensive reports for people who intend to buy. Then they underwrite fully. That creates some risk for new customers.

    After you apply, they inspect your property and order more reports (motor vehicle records, claim histories, etc). Depending on their findings they may :

If you’ve already cancelled your other policy, you can find yourself looking for insurance in a hurry – and end up worse off than you were before. If you shop on your own, without an agent to advocate for you, you’ll be on your own to fight the insurance company.

If you have questions about the right time to shop for Maine personal or business insurance, contact a Noyes Hall & Allen Insurance agent at 207-799-5541. We offer a choice of Maine’s top insurance companies, and our advice is always free.

We’re independent and committed to you.