Choosing the right insurance program to cover perhaps your most valued property and possessions isn’t always easy. The pricing for what seems like the same coverage can vary widely but the fact is, what appears to be the same on the surface may not be the same upon closer review.

Whether you are looking to insure your home, cottage aka “camp” as we say in Maine, condominium, mobile home or apartment, at Macomber, Farr & Whitten we like to take the time to talk to you and sift through the variety of options available to you to help best fit your needs and your budget.

A standard home policy is designed to meet the needs of many homeowners, but not all. It covers your home, other structures on the same property, personal property, additional living expenses (increased expenses that may arise in the event of a covered loss making your home unlivable) and liability and medical expenses that may arise from your home or your activities outside the home.

You’ve worked hard to get the things you have. Isn’t it worth taking the time to help develop a program to protect yourself and your prized possessions? As an Independent Insurance Agent, Macomber, Farr & Whitten represents a variety of insurance carriers with a variety of optional coverage available to tailor to your unique needs.

When developing an insurance program for your home, proper insurance to value is of utmost importance. Being under-insured at the time of a covered loss can make you responsible for much more financially than just the deductible that shows on your declaration page . When determining this remember, taxable value and market value of your home are not the same as the cost to reconstruct or rebuild your home.

With so many things to think about when insuring your home, wouldn’t it be nice to know you have a friend and adviser just a drive, dial or click away?