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Category Archives: Maine Insurance

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Maine state law requires minimum Bodily Injury Liability coverage of $50,000 per injured person up to a total of $100,000 per accident and Property Damage Liability coverage with a minimum limit of $25,000.

This basic coverage is often referred to as 50/100/25 coverage.

Hurricane Insurance Deductible Waived For Homeowners

Hurricane Sandy Deductible WaivedPost Date November 11, 2012 – Hurricane Sandy was the most destructive weather event in the northeast over the last 60 years.  The death and destruction from Sandy will be felt for decades.  Law makers in the effected eight states and the District of Columbia recently announced a temporary change in Homeowners Insurance Rules to help many of those affected.  To help reduce the sting associated with the expense from the mandatory hurricane insurance deductible, Insurance Commissioners in those effected states will waive the hurricane insurance deductible for that homeowner.

The burden of a Hurricane Insurance Deductible will not be a burden for Sandy homeowners victims

The trend started when Karen Weldin Stewart, the Delaware Insurance Commissioner stated homeowners in the “First State” would not be required to pay a deductible associated with Sandy’s Hurricane Insurance Deductible. On November 1st;  Pennsylvania’s  Governor Tom Corbett announced PA Residents would also not need to pay a hurricane insurance deductible.  It’s obvious a Hurricane Insurance Deductible would add an additional burden to Pennsylvania Homeowners already enduring the expense of cleaning up and rebuilding their lives after this devastating event. Homeowners insurance policies in PA have different types and names for their state deductibles. They can be called Tropical Storm, Named Storm or  just referred to as Hurricane.  The bottom line is the Super-Storm that plagued the northeast was named “Hurricane Sandy”.

The states affected by Hurricane Sandy are the following;   Pennsylvania, New Jersey, Maine,  Delaware, Rhode Island, Connecticut, Maryland, New York and the District of Columbia. This came as welcome news to many of our customers.  In many situations, I have customers with deductibles as high as $2500.00 for higher value homes or those whom are members of a Condo Association.  In those situations, It makes more sense to raise the insurance deductible which will lower the their insurance premium. In addition, a condo association can share the expense of a larger deducible by dividing up among the condo association members and lowering the overall risk.


Michael E. Dortch
President &  Managing Agent
Corporate Home Office
618 South Broad Street
Lansdale, Pennsylvania  19446
(800) 807-0762  ext. 206


Three Dates Set For PA’s Health Exchange Program Discussions

Three forums are set to be held in August by the Pennsylvania Insurance Department in a bid to get public opinion on health insurance exchanges. Different locations have been set across the state where the forums will take place. The first one slated for Aug 9 at the Doubletree Hotel Pittsburgh Monroeville Convention Center in downtown Monroeville, Pa. This… Continue Reading offices Shake From Earthquake

On Tuesday August 30, 2011,  a strong earthquake rattled the East Coast of the US starting in the State of Virginia. The earthquake was so strong that it could be felt as far as Pennsylvania and inside the corporate offices of in Lansdale, PA which is 35 miles northeast of Philadelphia and all the way to Canada. The… Continue Reading

Two New Insurance Companies in Maine

As a nationally licensed insurance broker writes Auto & Homeowners Insurance throughout the United States.  The state of Maine is an insurance market which is looking to expand.  If you are a licensed driver in the State of Maine and your shopping for car insurance, give us a call at our Toll-Free 1-800 Quote… Continue Reading