Portsmouth Atlantic Insurance is a family-owned independent agency, founded in 2005 and licensed in Maine. We insure homes, condos and cars from Kittery and Eliot up through York, Ogunquit, Wells and the Kennebunks, comparing coverage from 40+ carriers. We don’t charge additional fees.
Our office is in Portsmouth, NH, just over the bridge from Kittery. We don’t have a Maine office, so most southern Maine clients work with us by phone, email and online. We’ve earned 1,000+ Google reviews and over 2,000 testimonials, and we’re New Hampshire’s highest-rated agency on Google.
An independent agency for southern Maine home and auto
Most of southern Maine’s coast sits in York County, and many households here live on both sides of the river: a home in Eliot or Kittery, a job at the Portsmouth Naval Shipyard or in Portsmouth, kids who drive into New Hampshire every day. As an independent agency we work for you, not one company. We quote several carriers for the same home and car, explain the differences, and you pick.
Homes: from beach cottages to river farmhouses
A seasonal cottage near York Beach, a 1700s house in Kittery Point, a newer subdivision home in Wells and a farmhouse in South Berwick can each fit a different carrier. We set the dwelling limit to what it would cost to rebuild the house, not its sale price, and we look closely at roof age, heating, wiring and how far the house is from the water.
Cars: commutes that cross state lines
Plenty of southern Maine drivers cross the Piscataqua every day on I-95, Route 1 or the Route 236 corridor. Your car is insured under Maine rules because it’s garaged in Maine, and your policy follows you into New Hampshire and beyond. We compare limits, deductibles and uninsured motorist coverage across carriers, and we can usually bundle the car with the house. Learn more on our Maine auto insurance page.
Weather and water on the southern Maine coast
Nor’easters, ice and snow load
The big storm damage on this coast usually comes from nor’easters: days of onshore wind, high tides, heavy wet snow and ice dams. Wind, ice and fallen-tree damage are usually handled under the homeowners policy. Storm surge and rising water are not. We review both sides with you, and we check water backup coverage for finished basements.
Tidal rivers, marsh and beach roads
Flood risk here isn’t only on the beachfront. The York River, the Ogunquit River, the Webhannet marsh in Wells and the Mousam and Kennebunk rivers bring tidal water inland. Homeowners policies exclude flood, so we quote NFIP flood through Selective and compare private flood options where they make sense. See flood insurance in Maine and coastal home insurance in Maine.
Seasonal and empty homes
Many York and Ogunquit homes sit empty for part of the winter. Carriers ask how long a house is unoccupied, whether the heat stays on, and whether someone checks on it. Low-temperature alarms and water shutoff devices can make a seasonal home easier to place. We ask these questions up front so the policy fits how you actually use the house.
What we compare on a southern Maine quote
| Coverage point | What we check | Why it matters here |
|---|---|---|
| Dwelling limit | Rebuild cost, not market value | Older capes, colonials and custom coastal homes cost more to rebuild than many owners expect |
| Wind and all-perils deductibles | Every deductible shown in dollars | Coastal homes may carry a separate wind or hurricane deductible with some carriers |
| Water backup | Sump and sewer backup endorsement | Finished basements and spring snowmelt |
| Flood (separate policy) | NFIP vs. private flood options | Tidal rivers, marsh edges and beach roads |
| Occupancy | Primary, seasonal, or rented | Seasonal and rental homes need the right form |
| Auto and umbrella | Liability limits that support an umbrella | Daily I-95 commutes, teen drivers, docks and pools |
Carriers we compare for Maine homes
We work with 40+ carriers. For Maine homes, the carriers we quote include Andover, Concord Group, Hanover, Liberty Mutual, Vermont Mutual, Patriot, Openly, National General, Safety, Chubb and Cincinnati. Patriot can write homes up to $3 million in Maine, and Chubb and Cincinnati are our main options for high-value coastal homes. Which carrier fits depends on the house, its location and your history.
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.
Southern Maine towns we serve
| Area | Pages |
|---|---|
| Kittery and the Piscataqua | Kittery, Eliot and South Berwick |
| The Yorks | York, York high-value homes |
| Ogunquit and Wells | Ogunquit and Wells homeowners |
| The Kennebunks | Kennebunk and Kennebunkport homeowners, Kennebunkport high-value homes |
More for Maine: Maine homeowners and second homes, condo and condex insurance, boat insurance, ATV and snowmobile insurance, Maine high-value homes and Maine realtor discounts.
Frequently asked questions
Do you have an office in Maine?
No. Our office is in Portsmouth, NH, right across the Piscataqua River from Kittery. We’re licensed in Maine and insure southern Maine homes, condos and cars by phone, email and online, and you’re welcome to stop by the Portsmouth office. See our Maine insurance agency page.
Can one agency handle my Maine home and my car together?
Yes. We compare single-carrier home and auto bundles with split options, so you can see both side by side. See our Maine home and auto bundle and Maine auto insurance pages.
Does my homeowners policy cover flooding from a nor’easter?
No. Standard homeowners policies exclude flood, including storm surge and rising water from a tidal river or marsh. Wind damage is usually covered under the homeowners policy, subject to your deductibles. Flood needs its own policy; see flood insurance in Maine.
I live in New Hampshire but own a summer place in York or Ogunquit. Can you insure both?
Yes. We’re licensed in both states and can quote the Maine seasonal home and the New Hampshire primary home together. Seasonal and vacant periods matter to carriers, so tell us how often the house is empty in winter. See second home insurance in Maine.
Can you insure a higher-value coastal home in York Harbor or Kennebunkport?
Yes. We compare high-value carriers such as Chubb and Cincinnati alongside regional carriers, and Patriot can write up to $3 million in Maine. See York high-value home insurance and Kennebunkport high-value home insurance.
Can you insure a rental or short-term rental near the beaches?
Often, yes. A home you rent out needs a landlord (dwelling) policy, not a standard homeowners form, and carriers treat short-term rentals differently. See landlord insurance in Maine.
Get a southern Maine home and auto quote
Send us the basics: the address, year built, roof age and heating for the house, plus drivers and vehicles for the car. Your current declarations pages help us move faster. We’ll compare options from multiple carriers and walk you through the differences. Call (603) 431-4020, email insure@portsmouthatlanticins.com or request a quote online.