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Homeowners’ Insurance

Your home is your castle, make sure it's protected

Homeowners’ Insurance

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?

What Our Clients Say

Thank you, Lisa - for all that you have done and all that you continue to do. I will NEVER hesitate to send a client your way, and I will certainly never worry about whether or not they are in good hands.

- January M. Peavey

I wanted to thank you for assisting my grandparents with their business insurance. Your personal attentiveness as well as your attention to detail and hands on service was exceptional. Thank you very much for helping them to get the coverage they need at an affordable price.

- Tracy Bryant

The knowledge your office provides has made the experience positive for the customers I've sent to you. I want to express my sincere gratitude to you for all you do to make the process as stress free as possible.

- Darla Frost

I've always been a bit overwhelmed and hesitant when speaking to to insurance representatives for any type of insurance, but when I started working with Lisa concerning a side venture, all that changed. We ended up with coverage that far exceeded the 'other guys' and for a fraction of the cost. I would recommend her for any of you commercial insurance needs.

- Matthew J Hunt

Dear Peter, Thank you for your great service and care you have shown us. We will be getting our car back Thursday. It was actually a pleasure doing business with you and Macomber, Farr & Whitten… minus our car accident. Thanks again,

- J Walsh & J Sullivan

Peter, I appreciated your personal note that you sent. We have always received excellent service from your agency.

- Anita C.

Year after year, Lynn's insurance knowledge and situational awareness have enabled us to navigate complex changes to our employer sponsored health plan. Last renewal she spotted an overlooked, seemingly minor change in our group census that led to a 9% premium savings for the year.

- - Nathan C.

Working with Lynn has consistently resulted in insurance coverage that is affordable and cost effective. She is always focused on both our needs and resources while working tirelessly exploring all options.

- Thomas G. Warren

Reliable Service Since 1848

It used to be so simple. All an insurance agency had to do was offer a few different types of coverage: home, life, and eventually auto. Things hardly changed from year to year. Today, the world operates in a faster; more complicated manner. More is at stake. There’s a lot more to lose. Consequently, insurance is more complicated, too.

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