We live right here and we speak your language.

We’re proud to have strong relationships, based on mutual respect, with the best national and regional carriers. As independent insurance agents, we can design just the right personal insurance policies to fit your situation and your budget—no matter how complicated your life has become.

Personal Insurance

Personal insurance client Nikki Bland, left, and Diane Zollo, personal insurance account executive at Allen Insurance and Financial.

Homeowners Insurance

We understand that your home is more than just a place to live: it may be your biggest investment, your private museum, where you garden and cook and so much more. We’ll help you protect what you’ve worked so hard to build.

A basic homeowners insurance policy covers the following:

  • Your house if damaged by most unexpected causes
  • Detached structures, such as garage or shed
  • Personal belongings, including furniture, clothing, appliances, and more
  • Loss of use—living expenses while your home is damaged and uninhabitable
  • Personal liability to protect you and your family against a claim or lawsuit if someone is injured or their property is damaged.
  • Medical payments to cover necessary medical expenses resulting from an accidental injury to others

Other coverages can include back up of sewer and water, personal injury, identity theft, valuable items, art or other collections, and flood damage.

Ask your Allen professional to prepare a comprehensive homeowners insurance policy to meet your personal needs and budget. With Allen Insurance and Financial, you get more than a personal insurance policy. You get a personal insurance expert who works with you through all phases of your life.

Are you a landlord? Click for property insurance information just for you.

Rental Property Insurance

Landlords need insurance for rental units, whether or not they are occupied by tenants. Property insurance can help with the risk for damage to property as well as cover against unexpected injuries or accidents involving others while they are on your property.

Insurance coverage is available for properties that are:

Flood Insurance

With all the changes in flood zone maps, not to mention unusual weather patterns, you owe it to yourself and your family to ask your Allen Insurance professional for a flood insurance check-up.

With roots in coastal Maine, Allen Insurance and Financial knows the devastation flooding can cause—and how to insure against any loss. We’ll help you review your homeowners policy to determine whether you have the proper flood insurance for the latest flood zone mapping of your home’s location—most do not—and can offer all the coverages available:

  • Buildings covers damage to your home and items such as the furnace and water heater.
  • Contents covers your furniture, rugs, appliances and clothing, subject to limitations in the basement.
  • Property protection pays for sandbagging and other expenses to prevent flood damage.
  • Clean up reimbursement covers the cost of cleaning your home and removing debris after a flood.

Flood insurance can be surprisingly affordable, and we offer many deductible options to accommodate your budget and tolerance for risk.


Auto Insurance

Auto insurance. It’s required by law in Maine. Allen Insurance and Financial will help you find the right policy, with the right protection, at the right price for you, along with one key accessory: a skilled, independent insurance agent to help you navigate the claims process.

Your car insurance policy can include the following coverages:

  • Liability – insurance for property damage and injuries to others caused by you while operating your vehicle.
  • Medical – coverage for the driver and occupants of the insured vehicle.
  • Collision – insures the owner from loss during a collision with another vehicle.
  • Comprehensive – protection from damage caused by things other than vehicle collision.
  • Uninsured motorist coverage 

Motorcycle Insurance

Your Allen Insurance agent can put together a plan that fits your needs for insurance of your motorcycle insurance, including the following coverages:

  • Bodily Injury & Property Damage Liability (BI/PD)
  • Comprehensive & Collision
  • Uninsured/Underinsured Motorist
  • Medical Payments
  • Accessories, Custom Parts & Equipment
  • Roadside Assistance

We’ll provide all the information you need to make the best decision for  motorcycle insurance to cover any kind of bike, including dirtbikes and vintage models.

ATV and Snowmobile Insurance

Your Allen Insurance agent can put together a plan that fits your needs for ATV and snowmobile insurance, including the following coverages:

  • Bodily Injury & Property Damage Liability (BI/PD)
  • Comprehensive & Collision
  • Uninsured/Underinsured Motorist
  • Medical Payments
  • Accessories, Custom Parts & Equipment

We’ll provide all the information you need to make the best decision to protect your ATV or snowmobile.

Boat and Yacht Insurance

Because watercraft insurance is extremely complicated, the expert advice of the Allen Insurance team is an essential aid to navigating boat and yacht insurance.

We’re going to ask you lots of questions so we can help design the best, most comprehensive protection for you and your watercraft. Fish, explore or cruise, we’re all about safety and coverage, including physical damage coverage, liability coverage and medical payments coverage.

We provide insurance coverage for all types of watercraft, from Jet Skis and small motor or sail boats to the largest, most complicated vessels. U.S. waters, or international, we’ll here to help.


Renters insurance acts as a homeowners insurance policy for those who rent their home, whether it’s a house, an apartment, a condo or another configuration. Your landlord’s insurance policy does not cover you or your belongings.

Ask your Allen Insurance professional about coverage for college students living in a dormitory or other college housing. They are often covered under their parents’ homeowners insurance policy.


Association dues help pay for upkeep and other costs but they do not help cover your personal property or your liability within your condo unit. Only condominium insurance can do that.

A condominium insurance policy can protect your possessions and personal items and can provide coverage for renovation inside your unit. It also provides a layer of liability coverage in case someone is injured on your property.

Check with an Allen Insurance personal insurance agent for details. Realtors and condominium association members rely on Allen for trusted advise on all their insurance matters.


If you have even a moderately complex portfolio of personal assets, individual policies may not adequately protect you. And you’ll be pleasantly surprised at the modest cost for an umbrella policy.

In today’s litigious society, umbrella coverage is not just for the wealthy. The team at Allen Insurance can help you decide the right limit of liability coverage to protect you and your family from lawsuits, which are often baseless but nevertheless costly to defend against.

An Umbrella insurance policy provides liability coverage beyond your underlying home, auto, boat or yacht, or other insurance policy. Umbrella coverage for all your non-business activities worldwide is available at an affordable rate in increments of $1 million of protection.

An Allen personal insurance specialists will be able to put together a plan that fits your needs.


No one can replace the irreplaceable. But our Valuable Items Insurance can provide some consolation for the loss of artwork or other unique items.

The professionals at Allen Insurance and Financial can develop a plan to insure your valuables — your most priceless possessions, which may not be covered by standard homeowners policies, such as jewelry, silverware, unique collections, cameras, computers, artwork, musical instruments, golf equipment and any other unique item.

We represent a range of carriers and offer many deductible options, adjustable by item, to fit your personal preferences and financial situation.

Identity Theft

Identity theft is the fastest growing white-collar crime in America. Allen Insurance can advise you on precautions that will help protect your identity, but the only foolproof measure against this constantly evolving cyber security threat is insurance. We represent many companies that offer identity theft insurance as an addition to your homeowners, condo or renter’s policy for as little as $25 per year.

Group Personal Insurance

As one of the leading agents for personal insurance in Midcoast Maine, Allen Insurance and Financial offers a selection of auto insurance, homeowners insurance and other personal insurances that meet a variety of needs, with a wide range of deductibles, coverages and premiums — all from an independent agent whose top concern is your peace of mind.

We make it as easy as possible to offer group personal insurance to businesses and their employees, at no cost to the business.

Program participants benefit by getting a 5 to 10% discount on personal insurance policies, with no finance or installment fees, no risk of cancellation for non-payment, and continued eligibility for leaves of absence up to eight (8) weeks. Some participants can save hundreds of dollars, depending on the circumstances.

By offering this benefit to employees, a business can have the satisfaction of offering a free benefit to employee at no cost. And coverage is completely portable.

Now available for non-employer groups, too!

Diane Zollo can answer all your questions and get your program started.