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Maine.gov > PFR Home > Insurance Regulation > Homeowners Comparison

Policy Forms Used by the 10 Largest Homeowners' Insurance Groups in Maine

As an informational resource for consumers, the Maine Bureau of Insurance offers on this Web page free, downloadable copies of homeowners’ insurance policy forms and mandatory amendatory endorsements offered by the 10 largest insurance groups writing homeowners’ insurance in Maine. The 10 groups were identified on the basis of market share by direct written premium, using 2013 data.

Disclaimers

     

  1. Liberty Mutual Group – 2013 Market Share: 12%

     

  2. State Farm Group – 2013 Market Share: 12%

     

  3. Allstate Insurance Group – 2013 Market Share: 7%

     

  4. Concord Group Insurance Companies 2013 Market Share: 6%

     

  5. MMG Insurance – 2013 Market Share: 5%

     

  6. USAA Insurance Group – 2013 Market Share: 5%

 

  1. The Hanover Insurance Group – 2013 Market Share: 5%

     

  2. Travelers Insurance Group – 2013 Market Share: 5%

     

  3. Quincy Mutual Group – 2013 Market Share: 5%

     

  4. Vermont Mutual Group - – 2013 Market Share: 5%

Disclaimers:

 

This web page includes downloadable copies of basic homeowners’ policy documents on file with the Bureau of Insurance. These documents are from the ten largest groups of homeowners insurers in Maine. This is based on their direct written premium, using 2012 market share data.


By using this page, you agree that:
  • The policy documents on this page are a free service to anyone interested in the Maine homeowners insurance market. The documents are for information only. The Maine Bureau of Insurance is not in any manner endorsing, recommending, promoting, or commenting on the quality of, any particular insurer’s product, or implying that the products listed on this page are the only insurance products available in the homeowners insurance market. Many other insurers write this coverage in Maine. You should shop around for the company and product that best suit your insurance needs.
  • This page lists only basic homeowners policy documents. Insurers might have other policy forms that change the terms of the policy documents on this list. You would need to contact the insurers or one of their agents for information about coverage not included in the listed policy documents.
  • You should read the policy documents carefully to see what perils they cover and exclude. The fact that one insurer uses a longer policy form or has more attachments to the form does not mean that those documents cover more perils than those of another insurer that uses shorter or fewer policy documents.
  • The Bureau has used its best efforts to post only current and accurate information on this page. The Bureau does not guarantee that the policy documents are any insurer’s most current forms or that a particular person will meet an insurer’s underwriting requirements for the coverage represented by any form on this page. The Bureau does not make any other guarantees, express or implied, as to this information. The Bureau of Insurance reserves the right to remove or change this page at any time.

Forms by Group and Company

1. Liberty Mutual Group:

Companies:

  • Liberty Insurance Corporation
  • Liberty Mutual Fire Insurance Company
  • The First Liberty Insurance Corporation
  • LM General Insurance Corporation


Homeowners’ Policy Forms

Companies:

  • Liberty Insurance Corporation
  • The First Liberty Insurance Corporation
  • LM General Insurance Corporation


Renters' Policy Forms

Companies:

  • Liberty Mutual Fire Insurance Company


Renters' Policy Forms

Companies:

  • LM General Insurance Corporation


Condominium Owners' Policy Forms

Companies:

  • Liberty Insurance Corporation
  • The First Liberty Insurance Corporation
  • Liberty Mutual Fire Insurance Company


Condominium Owners' Policy Forms

Companies:

  • Peerless Insurance Company
  • The Netherlands Insurance Company


Homeowners’ Policy Forms

Renters’ Policy Forms

Condominium Owners' Policy Forms

2. State Farm Insurance Companies:

Companies:

  • State Farm Fire and Casualty Company


Homeowners’ Policy Forms

Renters' Policy Forms

Condominium Owners' Policy Forms

Manufactured Home Forms

3. Allstate Insurance Group:

Companies:

  • Allstate Property & Casualty


Homeowners’ Policy Forms

Companies:

  • Allstate Indemnity

Homeowners' Policy Forms

Renters' Policy Forms

Companies:

  • Allstate Insurance

Homeowners' Policy Forms

Renters' Policy Forms

Condominium Owners' Policy Forms

4. Concord Group Insurance Companies:

Companies:

  • Concord General Mutual Insurance Company
  • Green Mountain Insurance Company
  • State Mutual Insurance Company


Homeowners’ Policy Forms

Renters’ Policy Forms

Condominium Owners' Policy Forms

5. MMG Insurance:

Companies:

  • MMG Insurance Company


Homeowners’ Policy Forms

Renters’ Policy Forms

Condominium Owners' Policy Forms

6. USAA Insurance Group:

Companies:

  • United Services Automobile Association
  • USAA Casualty Insurance Company
  • USAA General Indemnity Company
  • Garrison Property and Casualty Insurance Company


Homeowners’ Policy Forms

Condominium Owners' Policy Forms

7. The Hanover Insurance Group:

Companies:

  • The Hanover Insurance Company
  • Massachusetts Bay Insurance Company
  • Citizens Insurance Company of America


Homeowners’ Policy Forms

Renters’ Policy Forms

Condominium Owners' Policy Forms

8. Travelers Insurance Group:

Companies:

  • The Travelers Home and Marine Insurance Company
  • Travelers Commercial Insurance Company


Homeowners’ Policy Forms

Renters’ Policy Forms

Condominium Owners' Policy Forms

Companies:

  • The Standard Fire Insurance Company
  • The Automobile Insurance Company of Hartford, Connecticut
  • The Travelers Indemnity Company of America
  • The Travelers Indemnity Company of Connecticut


Homeowners’ Policy Forms

Renters’ Policy Forms

Condominium Owners' Policy Forms

9. Quincy Mutual Group:

Companies:

  • Patrons Oxford Insurance Company


Homeowners’ Policy Forms

Renters’ Policy Forms

Condominium Owners' Policy Forms


10. Vermont Mutual Group

  • Northern Security Insurance Company
  • Vermont Mutual Insurance Company

Homeowners’ Policy Forms

 

Renters’ Policy Forms

 

Condominium Owners' Policy Forms

 

 

Last Updated: July 3, 2014