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.Upgrade Your Homeowners InsuranceWithout adequate home insurance, you may not be able to cover rebuilding your home and replacing its contents in the event of a total loss. The policy should include an inflation guard as well as extended-replacement coverage, which insures the difference if the price to rebuild exceeds your dwelling limit. Check for building-code coverage, which helps with any discrepancy between the limits of coverage and the actual cost to rebuild. Look for loss-of use coverage that includes 24 months of housing and related expenses while rebuilding takes place. Overlay your homeowners policy with an umbrella policy providing at least $1 million of liability protection beyond standard coverage. And be sure to make a list of everything in your home. ~Kiplingers Personal Finance Advisor, June 2010. Consider Flood InsuranceThis is a great time to consider Flood Insurance. Its mandatory if you have a federally backed mortgage and live in a high-risk zone. Its optional if you dont have a mortgage or you live in a less risky area, but its an option you should consider because 25% of all flood claims are made in low to moderate risk areas. Even though the program is run by the feds, you purchase a policy through an insurance agent. You dont have to comparison shop because rates are set by Uncle Sam. Annual premiums for a home and contents in a low-risk zone could run as little as $119 to $395 annually depending on coverage. (Kiplingers Personal Finance, 2010) Maine Residential Energy ProgramThe Efficiency Maine Trust (a state-run energy agency) has expanded the home energy savings program that is available to all Maine residences. In total, homeowners could be eligible to receive up to $5,500 in grants and Federal tax credits.