Home Insurance

The foundation of every personal insurance program should be a homeowner’s policy, even if you don’t own a home! Even though you may not own a home, you may need a “renter’s” policy, better known as a tenant policy. A tenant policy insures your belongings and more importantly you personal liability. Most homeowner policies, including tenant policies, provide personal liability insurance. In most cases this provides personal liability for you and your family anywhere in the world. In some cases landlords may require their tenants to have a tenant policy. If you have a mortgage, you are generally required to have homeowner’s coverage on your home. If you do own a home, make sure to understand the difference between Replacement Cost, and Actual Cash Value, coverage. In most cases we try to insure a home for replacement cost, if you ever have a loss, you’ll be happy you have replacement cost insurance.

  Actual cash value vs. replacement cost.

Covered losses under a homeowner’s policy can either be paid as "actual cash value" or by “replacement cost.” Actual cash value means you’re entitled to the depreciated value of damaged property. Replacement cost means you’ll be reimbursed the cost of damaged property at current prices. If you have a policy based on actual cash value, you may have to come up with additional money to completely replace damaged property. This applies to property damage (i.e. a broken window or partial fire loss to your home) as well as contents coverage.

There are many things that can change the insurability of your home. We have several companies that we can compare prices and coverage with. Even if you have had trouble elsewhere give us a try. If you have never had a different quote, let us run the numbers for you, we may be able to save you a bundle!

Personal Auto

We have access to many personal auto companies. We may be able to save you money! Did you know you can save money by having a personal auto and a homeowner (even a tenant policy) with the same company? Often times purchasing a tenant policy will save you enough on your personal auto to pay for the tenant policy

We can also insure you snowmobile, ATV, and motorcycle; we have some of the best rates in the area.

Personal auto insurance is required in the state of Maine; realistically this is probably the biggest area of exposure for most people. You don’t have to go any further than the commercials during the morning and evening news; it has become a fact of life, lawsuits can often follow auto accidents. Damage to your car is easy to fix, the liability coverage may save your lifestyle. Ask us today how to determine what your liability limits should be on your auto insurance; think twice before you ask for “state minimums.”

Farm Insurance

We at All Points are the farm insurance experts. We work with a company that has been serving folks in agribusiness for over 50 years. We specialize in Dairy Farms, Potato Growers, and Horse Risks, as well as diversified operations and some types of agri-tourism. We have a full repertoire of policies to insure your farming operation from Apple Orchards to market lamb operations; we understand the business of farming!

Call Us Today about:
Coverage for Farmers Markets
Horse Risks - Boarding, Training, Lessons, Showing / Pulling
Commercial Dairy Farms
Greenhouse Operations
Nursery operations
Beef operations
Dairy replacement
And much, much, more!