Maine Renters Insurance From Effective Coverage Stands Tall In The Pine Tree StateMaine’s state nickname is self-explanatory. All you have to do is look around. But whether you look at the larger cities like Portland, Lewiston, or Bangor or at more rural country, Maine has a surprising number of renters.
Almost 100,000 people rent in the beautiful state of Maine, most in the cities. Some of those renters are University of Maine students who will only be here for a few years, others are lifetime residents who value their time and don’t want the hassle of home maintenance. Whatever your reason for renting, you probably need Maine renters insurance.
Maybe your landlord told you to get coverage, or maybe you saw a television commercial but decided that it was probably too expensive or that you didn’t really have any risk. Those are some of the most common misconceptions about renters insurance in Maine. While it’s a low-risk state, that doesn’t mean nothing bad ever happens here. Apartment fires and thefts happen everywhere, even in the most pastoral parts of the country.
While everyone who lives somewhere they don’t own should be protected by Maine renters insurance, only forty-four percent of renters have coverage. That leaves many Maine renters with significant risk. People who don’t have renters insurance are also often the ones least able to afford a loss. Just look at some of the recent JCHS figures, more renters than ever are severely burdened. If the cost of renters insurance is a hardship, it’s vitally important to have the coverage because the cost of a loss would be devastating.
Regardless of where you choose to rent in Maine, you’ll want to protect your home, your family, and your property. You can easily and efficiently get that protection with Maine renters insurance from Effective Coverage. At Effective Coverage, our mission is providing solutions for those buying and requiring insurance, because insurance is our world, and we want you to get back to yours. You can buy a policy online in just sixty seconds, or call and speak with a friendly insurance expert who can help you choose coverage. If you’re a landlord, Effective Coverage offers efficient solutions for renters insurance compliance tracking in Maine.
Whether you need renters insurance in Maine or you need easy Maine certificate tracking solutions, Effective Coverage has the answers. We make it easy and let you get back to the rest of your life. We’re easy to reach, online, by web chat, or by calling a friendly insurance expert at (800)892-4308.
2018 Maine Renters Insurance Guide Table Of Contents
- Are Kids Covered By Maine Renters Insurance?
- What Should I Know About Maine Renters Insurance In 2018?
- Does Maine Renters Insurance Cover Frozen Pipes?
- How Does Maine Renters Insurance Protect Me In 2018?
- What Happens If I Don't Have Maine Renters Insurance?
- Maine Renters Insurance Fast Facts
- Bonus Section: 2018 Guide To Renting In Maine
Are Kids Covered By Maine Renters Insurance?
- Personal property of your children is covered.
- Liability for children over 13 is covered in the event of a loss due to their negligence.
- Children under 13 are covered for liability even if the damages are “expected or intended.”
Maine renters insurance covers your children in a number of specific and very important ways. Children living with you and related to you are covered for personal property, meaning that you can afford to replace not only their toys but also their clothes and furniture after a loss.
Particularly with young children, it’s important to make things as familiar as possible for them after a fire or other frightening loss. With older children, replacing their property is expensive because of the amount of electronics they have. In both situations, your policy has you covered.
Those same children are covered by the liability coverage on your renters insurance in Maine, as well. Bodily injury or property damage caused by actual negligence of a child 13 or older can be paid for by liability, and of course the defense coverage applies. When the loss is caused by your child under the age of 13, negligence doesn’t even enter into the equation. Younger children are presumed not to have the capacity to understand the consequences of their actions, so even an intentional act could be covered.
As an example, many children have set a leaf on fire with a magnifying glass. While the “setting on fire” part is “expected or intended,” the loss isn’t excluded because they don’t necessarily realize that setting a cornfield on fire endangers the lives of everyone nearby. Once in a great while, they choose a bad place to do it and it turns into a larger fire. Liability is there to pay for the costs, because you don’t want to cover them from your own pocket.
What Should I Know About Maine Renters Insurance In 2018?
Renters insurance in Maine in 2018 generally covers the person who is the named insured, along with their resident spouse and resident relatives. Spouse is not a gendered term, and anyone to whom you are legally married and who lives with you would qualify. Resident relatives could be your brother-in-law who’s temporarily staying with you, your kids, or even relatives visiting for the holidays. Your policy can, at your option, cover the personal property of guests in your home as well.
Who’s Not Covered?
Anyone who is not listed on the policy as an insured, and does not meet the above criteria, is not covered. Girlfriends, boyfriends, fiancées, and roommates are not covered by default. Often, live-in partners can be added as an additional named insured. That means you’re sharing the policy equally. All of the named insureds have access to all of the coverage, and a check in payment for a claim would be made out to all of the named insureds. Think carefully before covering a live-in partner this way. Additional named insured is not the same as additional insured.
Alternatively, you can often endorse a partner or roommate onto the policy. That keeps you as the named insured, but allows you to extend coverage to others who live with you. That endorsement can be changed if your roommate changes, or removed entirely if necessary. This gives greater flexibility while still offering coverage to the people who live with you.
What Does Renters Insurance In Maine Cost In 2018?
Maine renters insurance averages about fifteen dollars a month, or $187.00 per year. The price varies based on how much coverage you need as well as your location and other factors specific to you as an individual. To get an exact cost for your policy, you can quote renters insurance online in just sixty seconds. Just click above to get your price and get covered quickly and easily.
Does Maine Renters Insurance Cover Frozen Pipes?
Yes! Renters insurance in Maine covers frozen pipes. More specifically, it covers damage caused by the water escaping from frozen pipes. The pipes themselves are, of course, not covered but those are your landlord’s responsibility. The caveat is that you need to have made a good faith effort to maintain heat in the dwelling. You can’t go away for the week and turn the heat off, of course the pipes will freeze. If you go away for a week and a power outage causes the pipes to freeze in spite of you having left the thermostat at a reasonable position, there’s coverage.
Frozen pipes are a common occurrence in Maine apartments. The outcome ranges from the annoyance of not having water to actual bursting of the pipes. But freezing brings another hazard that too few people pay any attention to. Thawing a frozen pipe with an open flame has caused many apartment fires. While plumbers have heat shields they can use to keep nearby wood safe, you may not have that equipment. Make sure that you thaw your pipes safely, otherwise you risk turning a water claim into a fire claim and causing much greater disruption in your life.
How Does Maine Renters Insurance Protect Me In 2018?
- Personal property is protected from a long list of risks.
- You’re protected from violating your landlord’s requirement that you be covered.
- Liability coverage travels with you as a person and protects your future earnings and assets as well as present ones.
- Loss of use pays for additional living costs after a covered loss.
You’ve already seen that Maine renters insurance can protect your personal property from risks ranging from fires to frozen pipes. But what else does renters insurance do for you? First of all, having a policy protects you from the risk of your landlord claiming a lease violation, since they likely require the coverage. There’s much more, though.
Liability coverage travels with you. Wherever you go, if you negligently cause bodily injury or property damage to someone else, you have coverage for the damages as well as for the cost of defending against the claim or suit.
Having insurance doesn’t mean every matter instantly settles. It does mean that the lawyer you need is paid for by the insurance company, and will defend you. It also means that the policy will pay the final amount you’re held liable for, up to the policy limit.
That can be six figures, with defense costs on top of that number, so this coverage is important to your finances and your future. In 2018, Maine renters insurance protects you because you’re more likely to be sued than ever before.
Renters insurance in Maine also covers your additional living expenses after a covered loss. If you can’t use your apartment because of that loss, the policy pays for you to stay somewhere else so you can maintain your standard of living. There are additional types of coverage in your policy, as well. The best way to find them is to read your policy.
Maine renters insurance from Effective Coverage offers you the protection of working with an insurance expert. We’ll help you to understand your coverage needs and get the right policy with the right coverage to meet those needs. If you have additional valuables to protect, that coverage can easily be added. Each person, and each policy, is unique and requires the attention of an insurance expert. That’s why working with Effective Coverage offers the best protection and the best price for renters insurance in Maine.
What Happens If I Don't Have Maine Renters Insurance?
What happens if you don’t have Maine renters insurance? That answer depends on the situation.
- Your home could be at risk if your landlord treats it as a breach of the lease.
- You could have difficulty renting an apartment in the future if your current landlord takes action against you.
- You’d be responsible for any damages your negligence causes to the apartment or to other residents.
- You’re responsible to buy new property to replace what you lose in a fire, theft, or other loss.
- If for any reason you’re not able to use your apartment, such as a fire that someone else caused, you’re responsible for your own hotel expenses.
- If you’re sued for bodily injury or property damage caused by your negligence, you’re responsible for your own defense costs which are often exorbitant.
In other words, if you don’t have renters insurance in Maine and there’s a loss, nothing happens. At least nothing good. But you could lose everything in a heartbeat.
Maine Renters Insurance Fast Facts
- The average price of renters insurance in Maine is about fourteen dollars a month.
- Renters insurance in Maine can protect your entire family, including children who can’t contract for their own policy.
- The average fire loss per structure is $20,700 according to the NFPA.
- Just because someone has insurance for the damage you cause doesn’t make you not liable. Their insurance company can sue you for the money they paid to cover the loss. Your policy defends you and pays for the loss up to the policy limit, if you’re liable.
- Renters insurance protects you from liability risk, risk to your personal property, and costs incurred following a covered loss
Bonus Section: 2018 Guide To Renting In Maine
Finding An Apartment In Maine
- Your location within the state impacts the difficulty of finding an apartment.
- Be aware of safety features (or lack of the same), especially in older apartments.
- You have the right to know how much utilities are likely to cost.
- You have the right to a written smoking policy.
- Landlords who provide heat – or heating appliances – must ensure it is working, safe, and meets the requirements.
The difficulty of finding an apartment in Maine is highly variable based on your location. If you’re in a college town like Orono, it’s pretty easy to find an apartment in Maine in 2018. With the University in the city, the market is certainly there so apartments exist. You’ll find a mix of apartment communities, homes converted to apartments, and single-family residences for rent.
One thing to be aware of if you’re renting an apartment in a converted home is safety. Consider when it was constructed, and what protections you may or may not have from anything that happens to the neighbors. For example, older buildings which were converted decades ago may not have had to meet requirements for fire protection between units. This means that if one apartment burns, so does the entire building.
In addition, you should make sure to look for fire exits. Windows are valid fire exits from a bedroom, but you need to make sure the window actually opens. It can’t be painted or nailed shut. Breaking the window in case of a fire is almost guaranteed to seriously injure you in the process of escaping. Ideally, fire escapes should be made of metal. If they’re the type with a counterweight, do they swing down as they should?
When looking for a Maine apartment, it’s important to consider safety and security as well as location and amenities. You may not ever need the safety features of an apartment, but it only takes one time to be thankful that the window actually opened or that the smoke detector worked and had fresh batteries. The location of your apartment is also important for safety. Especially in winter, it can be more difficult for emergency services to get to more remote areas.
Maine Tenant Rights
It’s important to read your lease carefully. That details any charges, fees, or other costs that you are or could be responsible for. Reading your lease helps avoid surprise late fees and surprise utility bills. Your lease should always be in writing. While oral leases are valid in some situations, they’re nearly impossible to prove the terms of. Having it in writing means that there’s an understanding you can point to in the event of a disagreement with the landlord.
When searching for an apartment in Maine, you have the right to a lead paint disclosure in older construction. While less of a problem for adults, lead paint is of course quite dangerous to children. Note that if your home was built before 1978, you should probably assume that somewhere, under all of those layers of paint, is lead paint that’s just been covered over with another layer.
You should know where to find shutoffs for utilities, and Maine tenants have the right to know the costs of utilities before they rent. The utility company can give you billings for the past 12 months. While lifestyle and preferred temperature can impact these numbers, it’s a good indication of what you’re likely to be paying. Additionally, make sure that outlets, faucets, appliances, and the like are functional. Is the water that comes out clean?
Smokers renting in Maine, rejoice – you have the right to a written smoking policy before you put down a deposit. It can be part of the lease or a separate document, but it will lay out where smoking is and isn’t allowed. Just because you don’t smoke tobacco doesn’t mean you can ignore this. Maine has medical marijuana as well as decriminalization of quantities less than 2.5 oz per person, so smoking doesn’t just mean cigarettes. The policy applies to all smoking materials.
If you have roommates, your lease is probably written to be “joint and several.” That means the landlord can expect the entire rent from any one roommate. Security deposits can be a maximum of two months rent, and interest is not required on deposit return unless the lease stipulates otherwise. Maine law provides an “implied warranty of habitability.” In other words, by renting the space the landlord warrants that it is fit for living. Water problems, heat problems, and even a combination of smaller problems can cause big problems for the landlord!
If the landlord provides heat, it must be capable of heating the living space to 68 degrees when the outside is 20 degrees, as well as preventing pipes from freezing. In nearly every rental in Maine, the landlord “provides heat” in some fashion. Whether you’re responsible for the fuel is irrelevant. The landlord is responsible to provide a furnace or other appropriate source of heat that meets the requirements. If this is not the case, you have recourse.
Ask your landlord to fix the problem, then send the request in writing. If that doesn’t work, you have repair and deduct options as a tenant in Maine. Maybe 2018 is the year you upgrade your apartment to a nicer one, but you still need to be aware of your rights as a tenant. Once you’ve found the perfect home, make sure you have the perfect protection. Just call (800)892-4308 or click above to get the Maine renters insurance you need with easy payments and coverage you can rely on. Effective Coverage insurance experts are happy to answer your questions and help you to understand what type and amount of coverage may best fit your personal situation.