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 insurance policies to fit your situation and your budget—no matter how complicated your life has become.

Home and Auto Insurance that fits your needs

Your personal insurance should be as unique as the car you drive, the home you live in, the special things you own and the family you want to protect. With Allen Insurance and Financial, you work with a personal insurance specialist who will find the insurance policies that are right for you — because when it comes to personal insurance, one size does not fit all.

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
  • How much homeowners insurance is enough? Read our blog post.

Other coverages can include back up of sewer and water, personal injury, identity theft, valuable items, art or other collections, and flood damage. We can also help with condo insurance and insurance for renters.

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.


Rental Property Insurance

Landlords need insurance for rental units, whether or not they are occupied by tenants. Property best custom writings 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:

  • Under construction
  • Vacant
  • For sale
  • High value
  • Get a quote

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. Homeowners insurance in Maine does not cover floods.

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

The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your auto insurance policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle.

An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with us to determine the best coverage for you.

Insurance for cars, trucks, boats and more!
Allen Insurance and Financial can insure your motorcycle, classic car, motor home & RV, boat & Jet Ski, and ATV too! Contact us for more information today!

How much auto insurance is right for you? Based in Rockland, Camden, Belfast and Southwest Harbor, our team understands the auto insurance needs of our customers.

Auto insurance requirements vary by state. In some states, to drive you must carry:

  • Liability coverage – to pay for losses you cause others, or:
  • No-fault coverage – to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault, or
  • Both liability and no-fault coverage.

We would be happy to help you ensure you have the right coverage for where you live.

Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes:

Collision Insurance
Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost.

Comprehensive Insurance (Other than Collision)
Comprehensive insurance covers damage done to your car in some way other than a collision, such as if it were stolen or vandalized. Flood, hurricane, theft, windshield damage and fire are also events usually covered by comprehensive car insurance. Like collision, comprehensive will pay up to the fair market value of your car (less your insurance deductible). And although it’s not legally required by any state, you will probably need it if your car is financed.

Every person is uniquetalk to us  today to find out how to get the best price and value on auto insurance for you.

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 (Custom Equipment Coverage)

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

Boat & Watercraft Insurance

Allen Insurance and Financial can help make your time on the water relaxed and worry-free! We will find you comprehensive protection that protects you, your friends and family, your watercraft and your boating equipment. The average boat costs less than a dollar a day to insure. You’ll enjoy being on the water even more when you aren’t worried about your safety, the safety your passengers, or your investment.

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.

Yacht and Boat Insurance for Sailboats, Powerboats & More

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.

    Navigational Area
    Know where you are covered in the water. Some companies offer protection that covers you up to 75 miles from the U.S. coastline; into Canadian coastal or inland waters; and into the Pacific coastal waters of Mexico. In California, Florida and Oregon, additional coverage area can be purchased.

    Agreed Value Coverage
    Watercrafts depreciate just like automobiles. Actual cash value policies can make it difficult to replace a boat that’s been stolen or destroyed. This means that if your boat is a total loss you will get the value you insured it for, minus any deductible.

    Like car insurance, personal liability coverage provides coverage to other boaters and boat owners in the event you are at-fault for an accident on the water. This coverage will pay to repair or replace the property of someone else as well as for their medical care, lost wages and other costs incurred as a result of a boating accident for which you are at-fault.

    Medical Payments
    Medical payments coverage will pay for the cost of needed care that is the result of a boating accident. This coverage is available from $500 to $10,000 and covers you, your passengers, and even your water skiers/tubers, regardless of who is at-fault.

    Physical Damage Coverage
    Physical damage coverage pays for the cost to repair or replace your watercraft, its motor, any permanently attached equipment, and your trailer, if it is stolen or damaged.

    Uninsured/Underinsured Watercraft Bodily Injury
    Since boat coverage is not always mandatory, many boaters choose not to get insurance. If you are hit by an uninsured or underinsured boater, and you are injured, this type of coverage pays for medical treatment, lost wages, and other costs associated with the accident.

    Fuel Spill Liability and Wreckage Removal
    Should your boat sink or be seriously damaged, there is a chance that it could leak oil or fuel into the water. As the boat’s owner you are required by law to have this cleaned up, which can be time consuming and expensive.

    Personal Effects
    Your policy can provide coverage for many personal effects, including clothing, jewelry, cell phones, scuba/snorkeling and other sporting equipment, and fishing equipment. Limits vary by state. Personal effects coverage does not include jewelry, watches or furs.

    Unattached Equipment Coverage
    This pays to repair or replace equipment that isn’t permanently attached to your boat or personal watercraft, but is designed for use primarily on a boat. This includes items like lifesaving equipment, water skis, anchors, oars, fire extinguishers, tarps etc.

    Emergency Assistance
    The Emergency Assistance Package provides coverage for towing, labor and delivery of gas, oil or loaned battery if the watercraft is disabled while on the water.

Renters Insurance

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.

What You Need to Know About Renters Insurance

Your renters policy covers your personal property against theft or damage subject to the limits and deductibles you select. The coverage applies even when you are away from home. For a small additional premium, you can choose to carry full value coverage on your personal property, which ensures that you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation.

Protect Yourself And Your Guests

Your renters insurance policy protects you and your family against certain bodily injury and property damage claims for which you are liable. Legal defense is also provided in the event you are sued after a covered loss, subject to the limits you have selected. In addition, you can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault. Various limits are available.

If you have special valuable items such as jewelry, art, antiques or collectibles, ask about our Valuable Articles option which provides broader coverage and no deductible in the event of a covered loss.

Condominium Insurance

Condominium insurance is unique. Your condominium insurance policy covers your personal property and liability, as well as any additions, alterations and improvements you make to your unit that are your responsibility based on the condo association agreement.

Optional loss assessment coverage is also available to protect you against certain assessments that may be levied by the association. You would be compensated for additional living expenses incurred should you need to vacate your condo after a covered loss. Let Allen Insurance and Financial help you find the right amount of coverage to suit your insurance needs. Call us today at 800-439-4311.

What you need to know about condominium insurance
Condo insurance provides coverage for your personal property and much more. For a few more dollars, you can elect to carry full value personal property which ensures that you are reimbursed full replacement value without regard for depreciation after a covered loss.

If you have upgraded cabinets or put in hardwood floors, condo building item coverage protects these investments. Be sure to consult your HOA agreement to determine what the association policy covers and what you are responsible for.  If common areas are damaged, your condo association may levy assessments against all the owners to pay the deductible on their association policy.

Various limits of loss assessment coverage are available. Be sure to consult the HOA agreement to determine the potential for such assessments. Allen Insurance and Financial can help you determine your coverage needs to make sure you’re properly covered. Call us a 800-439-4311.

Protect yourself and your guests
Your condo insurance policy protects you and your family members against bodily injury and property damage liability claims and any litigation that may result subject to the limits you select. In addition, you can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault. Various limits are available.

Extra coverage doesn’t have to cost a lot
Many people supplement their condo insurance coverage with personal umbrella liability insurance for broader protection. If you have special valuable items such as jewelry, art, antiques or collectibles, ask about our Valuable Articles option which provides broader coverage and no deductible in the event of a covered loss.

Find unique insurance that is right for your condo
Contact Allen Insurance and Financial to identify the best combination of coverage, value, and price for you. We can help make sure your condominium insurance continually meets your needs.

Realtors and condominium association members rely on Allen Insurance and Financial for trusted advice 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 insurance policy.

Umbrellas are for Everyone

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.