If you live in Kittery, York, Eliot, Wells or the Kennebunks, chances are your life already runs across the state line. You might work in Portsmouth, shop on the Seacoast and drive Route 1 or I-95 every day. Portsmouth Atlantic Insurance is a family-owned independent agency just over the bridge in Portsmouth, NH. We’ve been insuring homes and cars since 2005, and we’re licensed in Maine. We compare home and auto together across 40+ carriers, so your bundle is built around your house and your drivers, not one company’s price sheet.
We don’t have a Maine office, and you don’t need one to work with us. Most Maine clients handle everything by phone and email, and a licensed agent reviews every policy. We don’t charge additional fees.
An independent agency for York County households
A captive agent can only show you one company’s bundle. We work for you, so we can put one carrier’s home policy next to another’s, and then check whether keeping both policies with one carrier actually comes out ahead. Sometimes it does. Sometimes the best home policy and the best auto policy come from two different companies, and we’ll tell you when that’s the case.
Why we quote the house first
In Maine, the home policy usually drives the decision. Roof age, heating system, distance to the coast and wind or hail deductibles narrow down which carriers want the house. Once we know which carriers will write your home on good terms, we quote auto with those same carriers and compare the bundle against keeping the policies separate.
That order matters most for older homes with original wiring, oil heat or older roofs; homes near the water in York, Ogunquit, Wells and Kennebunkport; second homes and seasonal cottages that sit empty part of the year; and high-value homes that need a carrier built for them.
What’s different about bundling in Maine
Maine requires more on every auto policy
Maine auto policies must carry at least $50,000 per person and $100,000 per accident in bodily injury liability, plus $25,000 in property damage (or a $125,000 combined single limit), at least $2,000 in medical payments coverage, and uninsured/underinsured motorist coverage. Those floors are set by Maine law (29-A M.R.S. §1605 and §1605-A) and the Maine Bureau of Insurance. Many households carry well above those minimums, especially when there’s a house and savings to protect. Our Maine auto insurance page walks through the requirements in more detail.
The equal-limits rule makes your umbrella decision matter
Maine requires uninsured/underinsured motorist coverage of at least $50,000/$100,000, and your UM/UIM limit must equal your bodily injury liability limit if that liability limit is higher than the minimum, unless you reject the higher UM limit in writing. Raising liability to qualify for an umbrella usually raises your UM/UIM as well, which protects you when the other driver is underinsured. We look at home, auto and umbrella as one package so the limits line up.
Coast, ice and the second-home question
Southern Maine homes deal with Nor’easters, wind-driven rain, ice dams and frozen pipes. Coastal homes may come with separate wind or hurricane deductibles, and flood is never part of a standard homeowners policy. If the house is a second home or a summer rental, some carriers won’t bundle it with your primary-home auto, while others will. That’s the kind of difference we sort out before you see a quote. See coastal home insurance in Maine, flood insurance in Maine and second home insurance in Maine.
Commuting across the bridges
Many of our Maine clients commute into New Hampshire every day, including to Portsmouth Naval Shipyard in Kittery, downtown Portsmouth and Pease. Your auto policy is rated where the car is garaged, so a Maine household gets a Maine policy even if you drive into New Hampshire daily. Because our office is in Portsmouth and we write both states, a move across the river in either direction doesn’t mean starting over with a new agency.
What a Maine home and auto bundle usually includes
| Piece | What it covers | Why it matters in Maine |
|---|---|---|
| Homeowners (HO-3 or HO-5) | Dwelling, other structures, belongings, personal liability | Insure to rebuild cost; check wind deductibles near the coast |
| Auto | Liability, required medical payments and UM/UIM, plus comprehensive and collision if you want them | The car is rated where it is garaged, even if you commute into New Hampshire |
| Umbrella | Extra liability over home and auto | Usually needs matching liability limits underneath, including Maine’s UM/UIM rule |
| Flood (separate) | Flood damage, which homeowners policies exclude | Coastal and river towns along Route 1 and the York River |
Carriers we compare for Maine bundles
We compare home and auto among the 40+ carriers we work with. For Maine homes, the carriers we already quote include Hanover, Cincinnati, National General, Concord Group, Safety, Vermont Mutual, Chubb, Andover and Openly. We’ll tell you which of those, and which of our auto markets, can wrap a car policy with the house, and when it’s better to split them. Availability depends on the home, the drivers and underwriting.
Disclosure: Coverage, eligibility and price depend on each carrier’s underwriting and your details. Nothing on this page is a quote or a promise of coverage.
Where we work in southern Maine
- Kittery and York
- Eliot and South Berwick
- Ogunquit and Wells
- Kennebunk and Kennebunkport
- Statewide: Maine insurance agency | high-value homes in Maine
Prefer New Hampshire? See our New Hampshire home and auto bundle page.
Frequently asked questions
Can a Portsmouth, NH agency bundle my Maine home and car?
Yes. We’re licensed in Maine and write Maine homes and autos every day. We don’t have a Maine office; you work with us by phone and email from our Portsmouth office.
Is it always better to put home and auto with one company?
Not always. Bundling often helps, but sometimes one carrier has the best home policy and another has the best auto policy. We quote both ways and show you the comparison.
What auto coverage does Maine require?
At least $50,000/$100,000 bodily injury liability, $25,000 property damage (or a $125,000 combined single limit), $2,000 medical payments, and uninsured/underinsured motorist coverage of at least $50,000/$100,000. If you choose higher liability limits, Maine requires UM/UIM to match unless you reject that in writing.
I live in Maine but work in New Hampshire. Which state’s auto policy do I need?
A policy for the state where the car is garaged, so a Maine policy for a Maine household. Daily commuting into New Hampshire doesn’t change that, and since we write both states, we can help either way.
Can I bundle a seasonal cottage or second home in Maine?
Often, yes, but carriers handle seasonal and rental homes differently. Tell us how the home is used and how long it sits empty, and we’ll match it to carriers that write it.
Does a Maine home bundle include flood?
No. Flood is a separate policy. If your home is near the coast or a river, we can quote NFIP and private flood options alongside the bundle.
Get a Maine home and auto quote
Tell us about your home and your drivers, and we’ll compare bundled and separate options across our carriers. We don’t charge additional fees. Call our Portsmouth office at (603) 431-4020 or email insure@portsmouthatlanticins.com.