What to know about Home Owners Insurance in Maine

🛡️ What to Look for When Buying Home Insurance in Maine 🛡️ Thinking about buying a home in Maine? Don’t skip the homeowners insurance details—especially here in the Pine Tree State, where coastal storms, heavy snowfall, and unique property types come into play. In this episode, I’m breaking down everything you need to know about buying home insurance in Maine. From understanding what’s actually covered in a standard policy, to why flood insurance might be a smart add-on, we’ll cover the essential facts to help you protect your investment. 👋 I’m Doug Schauf, Realtor with RE/MAX Oceanside and team leader of The Make Maine Your Home Team. I’m not an insurance expert, but I work closely with trusted pros and can point you in the right direction if you’re planning to Make Maine Your Home! ✅ In this video, we’ll cover: What’s included in a standard Maine homeowners insurance policy Common risks in Maine: snow damage, floods, and more Replacement cost vs actual cash value How to choose the right coverage limits and deductibles Why shopping around (and asking for discounts) matters What isn’t covered—and how to fill the gaps When to review and update your policy 🎯 Whether you're a first-time homebuyer or moving to Maine for a lifestyle change, this episode is packed with real-world info to help you make confident choices. 📌 Sources mentioned: Maine.gov Consumer Guide Sevigney-Lyons Insurance PolicyGenius: Maine Homeowners Insurance Amica Maine Info Maine Association of Realtors 📲 Thinking about buying or selling a home in Maine? Reach out—we’d love to help you Make Maine Your Home. 👍 Like this video if it helped you 💬 Comment if you’ve got questions about Maine real estate 🔔 Subscribe for weekly videos on life and real estate in Maine #MakeMaineYourHome #MaineRealEstate #HomeInsuranceMaine #MaineLiving #HomeBuyingTips #MovingToMaine #RealEstateAdvice #MaineHomes #FloodInsurance #CoastalLiving #WinterInMaine #MaineLife #PortlandMaine #SouthernMaineHomes #HomeBuying2025 #REMAXOceanside #DougSchauf 👋 I'm Doug Schauf, a local Realtor with RE/MAX Oceanside. My team helps people buy and sell homes all over Southern Maine—and if you want to Make Maine Your Home, you don’t have to do it alone. 📞 Let’s talk! Call, email, or check out the links below to connect. 👍 LIKE this video if you found it helpful 🔔 SUBSCRIBE to see more videos about living in Maine 💬 Drop a comment: Would you ever live in Maine? See the blog here: 🏘️ To Search for Properties check out https://www.makemaineyourhome.realestate/ 🏘️🎉 Follow us on Social Media 🎉 ➡️Facebook: www.Facebook.com/MakeMaineYourHome ➡️Instagram: https://rem.ax/47e6ylA 🎦Want More?? Check out these Playlists! 🏠Living in Maine - https://www.youtube.com/playlist?list=PLrIHXhH0wJPHEy4ZVB6dNkokb7Mnl1PAwVideo Podcasts - https://www.youtube.com/playlist?list=PLrIHXhH0wJPFGDOEgkkorkGh_wSlLOXsv To contact Doug you can call or text to 207-838-5593, email to [e-mail] or check out http://www.MakeMaineYourHome.com.