Gorham Insurance is committed to offering you affordable insurance that meets your individual needs. Remember, having all your insurance policies at one insurance agency can save you money!

Automobile Insurance Policies for Maine
Insuring your vehicle will protect you from financial loss if you are ever involved in an auto accident. An auto insurance policy is essentially an agreement between yourself and your insurer that provides you with property, liability, uninsured motorist and medical payments coverage. If desired, an automobile policy can also provide coverage for your own automobile.

Bodily Injury Liability
Bodily Injury and Property Damage Liability covers your legal liability for a covered accident that involves injury to another person or damage to someone's property, up to the limit of liability you select. If you opt for the minimum liability coverage, the amount you purchase may not completely cover you if you are involved in a serious accident or are served with a lawsuit. Buying more than the state required minimum will protect your assets.
Medical Payments
Medical payments coverage can help cover the medical or funeral expenses of covered drivers and passengers after an accident, regardless of fault.
Property Damage Liability
Property Damage pays for damage caused to the property of others, including cars, as a result of a motor vehicle accident.
Collision
Collision covers your insured vehicle for physical damage that your car sustains when it hits, or is hit by, another vehicle, or another object. Collision also covers the upset of your vehicle, such as the unintentionally rolling or flipping of your vehicle.
Comprehensive
Comprehensive pays for losses to an insured car due to fire, theft, or other losses that are not the result of a collision. (Colliding with an animal falls under comprehensive insurance coverage).
Uninsured Motorist
Provides coverage in the event the other driver is both legally responsible for the accident and is not insured.
Homeowner Insurance Policies for Maine
Owning a home is a huge accomplishment for most people. Do you know how to protect you and your family from costly issues that could take this all away?

Homeowner insurance policies provide you with protection against disasters and other issues that can hurt you financially. In most cases, this type of insurance is in the form of a package policy that covers the following:
The structure of your home
Your personal belongings
Liability protection
Additional living expenses should you be displaced from your home
Coverage for losses vary, depending on your policy. Typically, you can create a comprehensive policy with your insurance agent that provides adequate coverage in the areas you need it. Homeowner insurance ensures that you and your family will be safe from liability issues and property damage. Your home is covered for damaged caused by most disasters. Typically, floods, earthquakes, and normal wear and tear are excluded from homeowner insurance coverage. Supplemental policies can be purchased to cover floods and earthquakes.
Renters Insurance Policies for Maine
Insuring Rental Homes-People who occupy their own homes mostly understand the importance of having coverage against things like vandalism, fire, theft, floods, earthquakes, and other natural disasters, and even then they sometimes choose not to insure their property against the occurrence of an incident with liability insurance for rental property. However, the moment a property owner decides to lease the property, different liability and safety considerations arise.
Renters Insurance Coverage
A renters insurance policy can help protect your personal property from fire damage, theft, and vandalism while also providing liability protection for your visitors and guests. Given electronics, jewelry, clothing and more, research has shown the average renter owns $30,000 in personal property. (Actual values may vary throughout the U.S., and $30,000 is a rounded estimate of personal property value for a standard two-bedroom apartment.)

Your renters insurance policy typically includes:
Personal Property Protection
Covering the loss or damage of a renter's personal belongings usually on and, in most cases, off of your premises
Liability Protection
Providing legal representation and protection against judgments for covered events
Guest Medical Protection
Generally covers medical costs for visitors injured at a renter's home
Reimbursed Living Expenses
Reimbursement for costs of temporary housing, should it be necessary

Gorham Insurance offers a variety of ways to save with renters insurance discounts for:

Monitored fire and burglar alarms

Dead bolt locks on all exterior entryways

Fire extinguishers

Sprinkler systems

Renters insurance combined with auto insurance or other policies
Purchasing renters insurance ensures that your property is protected. Don’t make the mistake of thinking you are invincible; you do need insurance for your belongings, even if you live in a rental property. You are the only one who is responsible for protecting your assets. Contact Gorham Insurance today for more information.
Umbrella Insurance Policies for Maine
What is Umbrella Insurance?
Umbrella Insurance provides exactly the type of coverage that it sounds like it would; it provides an umbrella for you to stand under. Liability issues are everywhere and you never know what could cause someone to present you with a lawsuit. This policy literally puts you under its umbrella so that when you exceed the liability coverage limits on an insurance line, you will still be protected.
What does Umbrella Insurance cover?
Most liability coverage that rests within your current insurance policies only covers bodily injury and property damage to others. Umbrella policies will extend those limits to not only provide additional coverage for bodily injury and property damage, but also to cover things that are not listed under regular liability allowances. Every policy is different, so what is considered a covered liability issue under one insurance line may not be covered on another insurance line. Umbrella Insurance kicks in when these situations present themselves and/or you exceed to amount of liability coverage for the events that are already allowed under your regular insurance policies.
Why should you purchase Umbrella Insurance?
You may not think you need an umbrella policy, but consider this: What happens to you and your family’s assets should you be sued for something that occurred at your home and the legal costs of the lawsuit greatly exceed the liability coverage defined by your homeowner’s policy? Who will pick up the tab if you are responsible for a multi-car accident and your liability costs exceed the limits on your car insurance by thousands of dollars?

Although these kinds of things may be few and far between, you cannot be too careful. Umbrella Insurance is typically purchased at a low cost to you, but will provide enough coverage to where you shouldn’t have to worry about liability costs in the future. Contact Gorham Insurance today for more information on umbrella policies.
Flood Insurance Policies for Maine
Flood insurance provides protection for destruction and financial devastation caused by floods. Although it may not seem like much, even a few inches of water can cause damage and result in thousands of dollars in repair and restoration costs. Homeowners insurance does not typically cover floods. Purchasing Flood insurance through Gorham Insurance can protect you.

Although it may not seem as necessary as homeowners insurance, flood insurance is important if you plan on keeping your home safe and your possessions secure. Flood coverage offers protection against losses that result from heavy and lengthy rain falls, storm surges, blocked storm drainage systems, snow melts, etc.

Different types of policies are available based on your property’s location and flood history:
Standard Flood Insurance Policies
If you live in a community that participates in the NFIP, your building and its contents can be covered by a Standard Flood Insurance policy. The National Flood Insurance Program (NFIP) was established by the Federal Government to help communities who “voluntarily participate in the NIFP by adopting and enforcing floodplain management ordinances to reduce future flood damage.” To be considered a flood, the waters must cover at least two acres or affect at least two properties. You must apply for building coverage and contents coverage separately if you choose to invest in a Standard Flood Insurance policy.
Preferred Risk Policies
If your home or business is in a low or moderate risk zone, your building may qualify for a low-cost Preferred Risk Policy. While you are not required to purchase flood insurance in low-to-moderate risk areas, a Preferred Risk Policy will protect your home and its contents if you are affected by a small flood, or a larger flood that has extended into your low risk area. In truth, many flood insurance claims occur in low-to-moderate risk areas.
Don't wait until it's too late. Contacting Gorham Insurance today will get you on the path to flood protection with an affordable and comprehensive insurance policy.
Dwelling Fire Insurance Policies for Maine
At Gorham Insurance, our dedicated agents make choosing Dwelling Fire Insurance easy. We analyze your needs and explain your options in a clear, understandable way while saving you time and money in the process. Gorham Insurance makes it quick and easy to find the Dwelling Fire policy you need at the rate you deserve.

Dwelling Fire Insurance coverage can protect your rental property from fire damage and yourself from legal and personal liability. With Dwelling Fire Insurance through Gorham Insurance, you can rent your property out with confidence.
Dwelling Fire policies cover houses and structures that are NOT occupied by the owner
A homeowners insurance policy will NOT cover damages to a home that the policy holder is not living in
Dwelling Fire insurance covers all fixed structures such as the home itself, the foundation, cabinets, walls, countertops, etc.
Most dwelling fire policies DO NOT cover personal property because the policy holder is not an occupant of the home
Dwelling fire policies can be written for other structures on the property also such as sheds, unattached garages, barns, pagodas, greenhouses
If a fire leaves your rental home uninhabitable, a dwelling fire policy will cover up to a year’s rent for the vacancy
Gorham Insurance will shop the top carriers in the country to find you a dwelling fire policy that is both affordable and reliable. Fill out the quick and simple form to receive a dwelling fire quote today!
Business Insurance Policies for Maine
Insurance is extremely important for any business. Buying business insurance is a complicated process and you want to make sure you have an insurance agent who will take the time to ensure that you have all of the coverage your business needs to operate smoothly. Many business owners assume that purchasing a Business Owners Policy (BOP) is the only type of insurance they will need, but this is not the case. Although BOPs are useful for most businesses, it is also wise to purchase other business insurance policies to go along with a BOP that meet the specific needs of your business.

We offer the following business insurance coverage:
Apartment Building Owner Insurance
Commercial Auto Insurance
Commercial Property Insurance
General Liability Insurance

Excess Liability Insurance

Worker’s Compensation Insurance

Bond Insurance
A business is a huge investment. Do not leave it to chance by having inadequate insurance coverage. Gorham Insurance is a business too, so we understand the importance of comprehensive coverage. We offer many options for business insurance, no matter how big or small your business may be.
For more information on obtaining Business Insurance, call Gorham Insurance or fill out our online form for your FREE Business Insurance quote today.
Off-Road Vehicle Insurance Policies for Maine
Breaking out your off road vehicle for the season can be as invigorating as it is fun. Whether you own an ATV, go cart, or even a dune buggy, not only should you make sure that you are adequately protected physically, but also when it comes to insurance. It may seem silly to insure an off road vehicle, but it is a lot more necessary than you may think. Even if your off road vehicle is simply a toy, insurance is important.

A Maine off road vehicle insurance policy typically provides three basic coverage options:
Liability Coverage
Physical Damage Coverage
Medical Payments coverage
Uninsured Motorist

When purchasing an off road vehicle policy, it is also important to keep in mind what kinds of activities you will be using the vehicle for. Do you compete or ride recreationally? These activities impact the type and cost of coverage. An off road vehicle can cost just as much, if not more, than a regular vehicle, so it’s important to make sure you have adequate coverage. You can spend thousands building your off roader. What happens if you take it to the trail and something unexpected happens? What if you get into a crash and your beloved vehicle gets damaged? Don't you want the comfort of knowing that even if an accident does occur, you will be back on your ride in no time?

Let Gorham Insurance’s off road vehicle coverage give you confidence that every trip you take off the beaten path will be a good one. A specialized off-road insurance policy means that you are covered whether you're out enjoying the trail on your dirt bike, climbing dunes in your dune buggy, off-roading on your ATV, or taking a leisurely spin on your golf cart.
For more information on obtaining an Off-Road Vehicle Insurance contact, Gorham Insurance or fill out our online form above for your FREE Off-Road Vehicle Insurance Quote today.
Snowmobile Insurance Policies for Maine
If something unexpected happens while riding around on your sled, a Snowmobile insurance policy through Gorham Insurance will make is easy for you to get back on your snowmobile as soon as possible. We offer insurance policies that protect you, your passenger, and your snowmobile. Gorham Insurance, can find you the most appropriate and affordable coverage for your Maine.

Gorham Insurance offers experienced and beginners Snowmobile Insurance policies, essential coverage for:
Collision
Helps pay for damage to your vehicle if you hit another vehicle, another vehicle hits you, or your vehicle rolls over. Collision includes coverage for your apparel. Collision coverage can be required if your vehicle is financed or leased.
Comprehensive
Helps pay for damage to your vehicle not caused by collision. Examples include: damage or loss due to theft, vandalism, falling objects, fire, storms, flood and certain other disasters. Comprehensive also can cover custom parts and equipment.
Bodily injury
Helps pay for damages to your vehicle if it is damaged in an accident by an under-insured, uninsured or unidentified driver. Uninsured or under-insured motorist coverage also helps pay your medical costs and your passengers’ medical costs if an accident caused by an uninsured or under-insured driver results in injury. This coverage may also pay for lost wages and other damages. Coverage varies from state to state and is required in some states.
Property damage
Damage caused to another person’s property
Uninsured motorist
Bodily injury caused by uninsured or under-insured riders

Depending on your State, Accessory coverage may be included at no additional charge when Comprehensive or Collision coverage is purchased. Generally, at least $1,000 of Accessory coverage is provided, but this amount varies by state. In some states, additional Accessory coverage may be purchased up to a total limit of $30,000.
For more information on obtaining an Snowmobile Insurance contact, Gorham Insurance or fill out our online form above for your FREE Snowmobile Insurance Quote today.
Earthquake Insurance Policies for Maine
To buy, or not to buy earthquake insurance? Two weeks after Haiti's devastating earthquake, that question is on the front burner again. Whether you live in St. Louis or San Francisco, it's hard to ignore that gnawing feeling in your gut that not having the insurance could mean big problems in the event of a Big One.

Many homeowners, however, still hold off on purchasing insurance; in California, only 12% of owners with homeowners' policies also have earthquake coverage. Why? Denial, for one. And cost, for another. Depending on the coverage options you choose, earthquake insurance will cover the cost of your damaged home and any assets that are damaged on your property.

When you decide to purchase earthquake insurance, remember you should buy enough to cover the costs of rebuilding your house and replacing broken possessions. The amount of insurance you buy should be based on replacement and reconstruction costs, not the market value of your property and possessions. A generally accepted rule of thumb is that you should not risk more than 10 percent of your liquid assets. A large earthquake could mean :
10 to 100 percent of your home’s structure could be damaged or destroyed
Up to 20 percent of your belongings could be damaged
$700-$3000 a month for temporary rent and relocation costs

Do not make the mistake of thinking earthquakes are regional or too far in-between - every area of the country is at risk for earthquake damage. Although some areas are much more of a risk than others, no area is immune.
For more information on obtaining an Earthquake Insurance contact, Gorham Insurance or fill out our online form above for your FREE Earthquake Insurance Quote today.
Motorcycle Insurance Policies for Maine
Selecting your motorcycle is a big decision. Protecting your motorcycle is easy.

Whether you're a weekend warrior, a casual rider, or a hardcore motorcyclist, our motorcycle insurance policy offers protection for you, your bike, and your accessories. Our policy is designed to meet the personal and financial needs of most motorcycle owners.

All you need to do is choose the type of coverage and deductibles that best cover your motorcycle and your lifestyle, and we'll do the rest. We offer competitive prices plus convenient payment plans, and we'll place your coverage with a company that has the financial stability to be there when you need them most. We hope you never have a bad day, but if you do, our motorcycle insurance coverage is designed to help turn a very bad day around.

And no doubt you'll qualify for some of our discounts that will make your Maine motorcycle insurance premiums even lower. We want you to enjoy your ride with the peace of mind that comes from knowing you're covered.

You may qualify for a number of motorcycle insurance discounts including:
Insuring more than one motorcycle
Mature riders
Renewals
Credit for qualified safety courses
Multi-policies with our company

Discounts that could significantly lower your insurance premium aren’t the only reason to place your policy with us. Competitive pricing, customer service, and peace of mind are more reasons to put us to work for you. We'll help you design a policy to meet your needs as a proud motorcycle owner. We’ll show you what coverage may be available and how to get the personalized protection you need.

Even if you've been riding for years, it's a good idea to take a close look at your motorcycle insurance coverage. Things change, times change, and chances are your policy may need to be updated to meet your changing lifestyle.

You've worked hard to get where you are, and you have a lot to look out for. You deserve the right policy at the right price. Regardless of the type of motorcycle rider you are we quote motorcycle insurance for every lifestyle. Why not get started today and save with a free motorcycle insurance quote?
Watercraft Insurance Policies for Maine
When the days are clear and weather is warm, we know that the first thing on your mind is going out on the water. Your boat allows you to get away from all the stress and pressure of the mainland, and kick back by yourself or with good friends. Whether you use your boat to fish, cruise, or race, we know it must be pretty difficult to picture your life without it. At Gorham Insurance, we make sure that you enjoy your time on the water, without having to worry about what could do wrong. Our agency specializes in writing insurance policies for boaters, so you can be certain we will provide you with the best protection available. We understand the differences between power boaters, sailors, and commercial fishermen, and can tailor an insurance policy to your unique needs.

Our Boat insurance policies can provide you with coverage against many different types of loss. We offer:
Medical Payments Coverage
We offer Medical coverage that can cover your eligible medical expenses if you get hurt when on the water.
Physical Damage Coverage
This optional coverage is typically designed to take care of your boat, motor, and trailer. Our agents will help you determine the right amount of physical damage coverage for each boat on your policy. You will also need to choose a deductible (the amount you would pay on a claim) before your policy kicks in.
Liability Coverage
If you’re involved in an accident, there’s a good chance another person or another watercraft is involved. And if you’re at fault, you’ll need liability coverage. You can choose a lot of liability coverage or a little – it’s up to you. We'll show you what coverage and limits may be available, and how to get the maximum personalized protection you need.
Whether you’re a lifelong boater or just getting started, it’s always a good idea to take a close look at your new or existing marine policy. We can help. Contact us to learn how Gorham Insurance can keep you safe and secure with a Maine watercraft insurance policy.
RV/Motorhome Insurance Policies for Maine
Motor Home Insurance presents a unique situation because it’s a motor vehicle, so it’ll need all the insurance you’d get for a car. A Motor home could also be where you live, whether on a permanent basis while wandering the open roads, or just for a short time while you’re going to the big game or visiting a major landmark you’ve always wanted to visit.

The Gorham Insurance’s staff can recommend more than just the basic protection plans that are offered by some Motor home Insurance policies. We're happy to provide the resources of our experience in the insurance industry in finding the right coverage for your particular Recreational Vehicle insurance needs. Keep in mind that RV insurance covers several kinds of vehicles, such as motor homes—including Classes A, B, and C; motor coaches; and camper vans, as well as travel trailers, including campers, pop-ups, fifth wheels, and toy haulers. So if you’re searching for Motor Home Insurance, Travel Trailers Insurance, Camper Insurance, Camper Van Insurance, then an RV insurance policy is what you need. Gorham Insurance’s agency is built with dedicated specialists trained to provide exceptional service with premium programs.

Gorham Insurance’s specialized insurance policies for Recreational Vehicles can provide the kind of coverage to give you real peace of mind
  • Collision
  • Property damage
  • Theft
  • Vandalism
  • Uninsured or under insured drivers
  • Roadside assistance
  • Towing and labor
  • Vacation liability
So focus on your adventure, and leave the insurance to Gorham Insurance. Contact Gorham Insurance for a free quote on a Maine Motor Home Insurance, Travel Trailers Insurance , Camper Insurance , or a Camper Van Insurance policy today.
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