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From loggers to lobstermen, bankers to builders, teachers to town governments, more and more Mainers are turning to United Insurance for personal, committed service that has made us one of the largest independent agencies in the state.
Why Should You Choose an Independent Insurance Agent?
The Benefits of Flood Insurance vs. Disaster Assistance
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FLOOD INSURANCE |
DISASTER ASSISTANCE |
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You are in control. Flood insurance claims are paid even if disaster is not declared by the President. |
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Most forms of federal disaster assistance require a Presidential declaration. |
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Between 20 and 25 percent of all claims paid by the NFIP are outside of Special Flood Hazard Areas. |
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Federal disaster assistance declarations are not awarded in all flooding incidents. |
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There is no payback requirement. |
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The most typical form of disaster assistance is a loan that must be repaid with interest. |
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Flood insurance policies are continuous, and are not non-renewed or cancelled for repeat losses. |
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The duration of a Small Business Administration (SBA) disaster home loan could extend to 30 years |
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Flood insurance reimburses you for all covered building losses up to $250,000 and $500,000 for businesses. Contents coverage is also available up to $100,000 for |
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The average Individuals and Households Program award for Presidential disaster declarations related to flooding in 2008 was less than $4,000. |
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The average cost of a flood insurance policy is a little more than $500 annually. The cost of a preferred risk policy is less than $200 annually, depending on where you live. |
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Repayment on a $50,000 SBA disaster home loan is $240 a month or $2,880 annually at 4% interest. |
Earthquake Coverage
One of our goals at United Insurance is to provide insurance information to you so you can customize your insurance coverage to meet your needs. Last week Hollis, Maine was the epicenter of a 4.0 earthquake which shook most of New England. Did you know that this is the sixth earthquake to hit Maine in the last twelve months?
Some Questions You May Have Asked:
Does my insurance policy cover earthquake damage?
Earthquakes are not covered under standard homeowners, renters, or business policies. You must purchase extra coverage for earthquakes. Coverage for other types of damage that may result from earthquakes, such as fire and water damage due to burst gas and water pipes, may be provided by standard home and business insurance policies. Automobiles are covered under the optional “other than collision” portion of your auto insurance policy.
How do I get earthquake coverage?
Earthquake coverage is generally available as a supplemental coverage to your standard homeowners, renters, or business policy.
What is the cost of earthquake coverage?
Premiums vary based on your building’s construction and proximity to a known earthquake zone. Generally, for a home with $200,000 in coverage, the annual premium would be about $50.
Please contact your United Insurance Agent for a comprehensive review of your current insurance coverage. We are here to assist you with all your insurance needs and can advise you whether additional earthquake coverage is right for you.
MEMIC Announces Increased Dividend to Policyholders
More than 10% of Annual Premium to be Returned!
Workers' compensation insurer MEMIC announced that it will send checks in November totaling more than $13 million to policyholders of its Maine-based mutual company. The dividend declared recently by the company's Board of Directors represents more than 10 percent of annual premium from policy year 2009 upon which the dividend is based. The amount represents an increase of $1 million from last year's dividend payment. Click here: MEMIC Announces Increased Dividend to Policyholders to read more.
Benefits & HR Newsletter
Click Below to Read our Benefits & HR Newsletter!
WE ARE OPEN FOR BUSINESS IN BANGOR, MAINE!
As a leading independent insurance agency in the state of Maine, we are proud to announce the opening of our new office located at 1045 Broadway! We are excited and ready to serve our friends in the Bangor community! You're invited to attend the GRAND OPENING on January 6, 2012 at 10:00 a.m. Click this link to read the press release: United Insurance Opens Office in Bangor, Maine.
Slip Sliding Away...
No, that's not just a line from a popular song, it could be your employees, customers and you! With the fall rains and winter snow/ice on its way, don't be caught unprepared; you don't want to watch your insurance dollars "slip sliding away."
Slips and falls, both interior and exterior, are a leading cause of both employee and public injury; either at work or those patronizing a business. Injuries range from minor bruises, to major sprains/strains and debilitating injuries. That means costs range from hundreds to tens of thousands of dollars; not to mention loss of key employees, food customers, potential sales and PROFITS. Full article appears in the link below.
Walkway Safety Evaluation Checklist
Wall of Heroes
United Insurance is a proud sponsor of the Wall of Heroes on display at DiMillo's Floating Restaurant in Portland. View the FOX News item here: Wall of Heroes
Health Care Reform
Click here for Questions and Answers about Maine's 2011 Healthcare Reform Law. Provided by the Maine Bureau of Insurance (current as of September 14, 2011).
Hurricane Action Plan
The National Weather Bureau reports that Hurricane Irene could impact a large section of the east coast. Impending heavy winds and rain require action to protect from severe damage to property and to people. Please click this link: Hurricane Action Plan from Peerless Insurance.
Is It Time to Consider Earthquake Coverage?
Earthquakes and California go together. Or at least that’s what most of the country thought until Tuesday’s East Coast earthquake centered in Virginia.
Reports of the earth moving were widespread, coming from New York, Massachusetts, Vermont, and Georgia. Even a few came from as far away as Chicago.
Although no news of significant damage emerged, such a widespread impact raises questions about preparedness and insurance coverage. That’s because earthquake damage is not covered under standard homeowners or business insurance policies.
Click this link to read more: Earthquake Insurance
Get Covered
Workers' compensation can be a burden for small businesses. Take steps to reduce costs and risks.
In almost every state, employers must provide insurance to cover expenses for employees' work-related injuries. Workers' compensation costs are a headache for many small business, but they don't have to be.
Click here to read about strategies you can use to protect your business with insurance and to reduce costs.
Be it ever so humble...
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