Continuing to Serve You – Remotely

We are available to serve you by:

At its core, insurance is about
SPREADING RISK and
HELPING OUR COMMUNITY.
Noyes Hall & Allen believes in these causes.

SPREADING RISK

Insurance customers pay a small amount of money to help those who suffer a catastrophe avoid financial disaster.

While researchers feverishly work to develop a vaccine, health professionals recommend limiting human contact. The goal is to save capacity in the health care system for our most sick and vulnerable neighbors. We care about our clients, our co-workers and our community.

HELPING OUR COMMUNITY

Insurance contributes to the community in many ways. It pays for losses of course. It also enables people to buy vehicles and homes; to start businesses and hire people. Insurance promotes safety and risk education. It provides good jobs for thousands of families. It supports local economies and non-profits.

By serving you remotely, we hope to reduce the community spread of a very serious virus. We want to practice public health safety and risk management. We live and work here, too. Working remotely also allows our team to be with their families. To provide care and comfort during a stressful time.

INDEPENDENT AND COMMITTED TO YOU

Noyes Hall & Allen has been locally owned since 1933. We’re independent – not beholden to any insurance company. That allows us to be committed to YOU, our clients.

We know that you need us. We’ve prepared for an interruption like this. You can still accomplish any insurance transaction thing that you normally do. 

We hope that you and your loved ones remain safe and well. We remain independent and committed to you. We’re always happy to answer any questions about your insurance. Together, we will get through this tough time.

Should I Adjust Insurance After Home Improvements? Three Questions Will Tell

Did you make home improvements to your house or condo this year? Many people did. After the project’s done, many clients ask “should I increase my home or condo insurance after a renovation”?

You depend on your homeowners insurance to pay to rebuild your home after a disaster. It’s important for insurance to keep up with inflation and changes in your home.

How can you tell if your project requires an insurance adjustment? Three questions should give you the answer. This assumes you had enough insurance before your project.

Did You Build Something?

Did you add living space to your home? Finish a basement or attic? Add a deck? If so, you should increase your Coverage A (Dwelling) insurance. How much? Probably by the full cost of the renovation.

Did you add a structure to the yard? A shed, fence, gazebo or swimming pool? Check your policy’s Coverage B (Other Structures) limit. Most homeowners policies cover Other Structures at 10% of Coverage A. If your home’s insured for $300,000, you likely have $30,000 Coverage B. Is that enough? Then you don’t need to adjust your insurance.

Update, or Upgrade?

Some home projects don’t affect property rebuilding cost. Most homeowners and condo insurance policies cover building items at replacement cost. That means “new for old”, without depreciation. If a fire damages your 20-year old roof or boiler, your insurance pays for a new one.

Did you replace your worn-out roof, flooring, kitchen or boiler?  If the replacement is the same quality as the old, you may not need to adjust your insurance.

Did you upgrade laminate counters with stone? Linoleum with ceramic tile? Standard cabinets with custom?  You should upgrade your Coverage A. How much?

Here’s a guide for what to include:

  • Demo and removal costs – not included
  • Design services – included
  • Materials – included, but only the upgrade differential.

Are Your Improvements Even Insured?

Home and Condo insurance doesn’t cover everything. Most landscaping and earthwork isn’t covered. Trees are covered only for a fraction of their replacement cost, and against limited perils.

Did you install solar panels or other green energy items? Off-the-shelf policies don’t cover breakdown or most power surge. Optional coverage may be available. You may want to update your insurance.

Questions About Your Home Insurance?

Do you live in Southern Maine? Considering an insurance change? Not sure if you have enough home insurance to rebuild? Contact a Noyes Hall & Allen Insurance agent in South Portland at 207-799-5541.

We can help determine the replacement cost of your home. We offer a choice of many of Maine’s top insurers. We can check the market to find you the best value, and recommend coverage based on your needs. We’re independent and committed to you.  

Relocating to Portland Maine? We Can Help

During the COVID pandemic, many people are relocating to the Portland Maine area. 2020 has been a banner year for people moving here.

Looking for a safer, more affordable place to live, work and play? A desirable place to raise a family? A slower pace? Portland offers all of this. So do nearby suburbs like South Portland, Cape Elizabeth, Scarborough, Falmouth, Cumberland and Westbrook.

Portland Maine is Safe

Through November 2020, Maine successfully managed the public health aspect of the COVID pandemic. Cumberland County had about 1/3 the infection rate of the rest of the country: 11,500 cases per million. Rural Maine had even lower rates.    

Maine is a safe place to live even after COVID time. Maine’s crime rates are among the lowest in the nation. Our roads are safer, too: traffic deaths are about 10% below national average.

Maine: Room to Spread Out

The Portland Maine MSA is home to about 250,000. That’s 390 people per square mile. Even Portland, the state’s largest city, only has about 3,000 people per square mile. Portland is the ideal size for a small city: about 70,000 people.

Like the outdoors? Sailing, hiking, skiing, snowmobiling, cycling and beaches are all a short distance from home.

Prefer to be entertained? Portland has choices. Live music venues, theatres, professional sports teams, museums and more.

Portland Maine’s Foodie Culture

Portland has a national reputation for restaurants, breweries, distilleries and food. The proximity of local farms and seafood adds to its farm-to-table culture. Portland was Bon Appetit’s Restaurant City of the Year in 2018.

COVID restrictions limit indoor restaurant dining in 2020. But it’s too much a part of Portland’s identity to disappear. The restaurant scene will be vibrant again.

We Can Help You Settle Here

Whether you’re buying a house or a condo or renting an apartment, our agents can help with insurance. We’ll send proof of renters or hazard insurance to your landlord or lender. We can provide you with the insurance card which you need to register your vehicles in Maine.

First time homebuyer? We make the insurance part easy. A 10-minute phone call is all it takes to start. Or, you can compare Maine insurance quotes online at our website. When you’re ready for help, Noyes Hall & Allen agents are known for responsiveness and knowledge. We’ve earned great customer reviews.

Call a Noyes Hall & Allen Insurance agent in South Portland at 207-799-5541. We’re independent and committed to you.

Insurance for Low Mileage Maine Drivers

Many Mainers drive less than they did a year ago. By many accounts, we are logging about 30% fewer miles than this time last year. Should insurance companies reduce your car insurance rates as a result? Maybe. But it won’t happen automatically.

Here’s why.

2020 Driving Trends Affecting Car Insurance

Driving data indicates a dramatic change in behavior in Spring 2020. We all know why.

  • Fewer Miles Driven (but not by everyone).
    Many people are not working, or working from home. That means they’re driving less, and not as far. But essential workers and others continue to commute. Some people actually drive more than before, replacing lost income with new gigs.
  • What Rush Hour?
    With many offices closed, usual morning and evening congestion has almost disappeared. Those who are are driving do so at different times of day, spreading out road usage. That means less risky driving behavior such as hard stops and quick acceleration.
  • Increased Speeds
    With more open space on the road, average vehicle speed increased. Faster speeds and clearer roads can mean fewer but more serious crashes.

Is Your Car Insurance Priced Right?

You might deserve lower car insurance rates. But it won’t happen automatically.

Insurers probably won’t reduce rates across the board. That’s because they don’t know who’s driving less than before.

Car insurance often classifies usage into 3 categories:

  • Pleasure use – used around town and for personal errants. Not driven to work.
  • Commute – either short (less than 15 miles one way) or long (more than 15).
  • Business – such as a traveling sales person, trade contractor or other extensive use.

You may deserve lower car insurance rates.
But it won’t happen automatically.

Imagine two Scarborough neighbors. One commutes 7 miles on I-295 into their Portland office every day, parking on the street. The other drives 2 miles to teach at a local school, parking in the school lot. In the summer, the teacher doesn’t commute at all.

They’re rated the same, even though their drives are much different. The Portland worker pays too little, while the teacher overpays.

Customized Rating – Gaining Acceptance

New technology allow insurers to customize car insurance prices as never before. It’s called Usage Based Insurance, or UBI.

Using smartphones, customers share driving data with their insurance company. The insurer compares them to other customers. Safer drivers pay less; riskier ones might pay more. Insurance companies have their own brand for UBI: Progressive Snapshot; Safeco RightTrack; Travelers Intellidrive, and so on. Each one has slightly different features.

In prior years, consumers hesitated to share this data, often citing privacy concerns. That changed in 2020. Many are looking for ways to save money in this time of economic hardship and reduced driving. Almost 50% of people who responded to a JD Power 2020 survey were willing to try Usage Based Insurance (UBI).

Are Customized Insurance Rates Right For You?

Think you’re paying too much for Maine car insurance based on your driving? Interested in learning more about Usage Based Insurance? It’s not for everyone.

A Noyes Hall & Allen Insurance agent can help you decide if it’s right for you. We offer a choice of many of Maine’s top auto insurers, with and without UBI. Call our team in South Portland at 207-799-5541. We’re independent and committed to you.

What are the benefits of having commercial insurance in Maine?

Those that are in the Portland, ME area will find that there are plenty of local amenities and a strong local economy. Due to this, Portland can also be a good place to start a small business. If you are going to start a company here, you should get a quality commercial insurance policy. There are several benefits that come when you get this type of insurance coverage here. 

Coverage Gives Important Protection

A key advantage of having commercial insurance in this area is that it will give you very important coverages. With a commercial insurance policy, you can receive property coverage, liability protection, and other forms of protection that are curtailed to your business needs. In a situation where you experience a loss, the commercial insurance policy will prove to be very valuable and could keep your business solvent.

Coverage is Required by Many Stakeholders

Another reason that you may want to get a commercial insurance policy is that it is often required by many different stakeholders. If you would like to lease a commercial space, purchase a building with a mortgage, take out a business loan, or even raise capital, any stakeholder is going to want you to have commercial insurance. This is almost always a requirement under our legal documents as it can help to protect your organization and protects another party’s investment.

As you are shopping for commercial insurance in the Portland, ME area, it is important that you speak with someone that you can trust and help guide your decision. Noyes Hall & Allen Insurance is a great company to contact when you are looking for a new policy. Noyes Hall & Allen Insurance will be able to help you personalize a policy to ensure you are properly protected. 

How to Compare Car Insurance Quotes

Everyone seems to recommend shopping car insurance periodically. Rates do change frequently. The company that was the best value years ago might no longer be.

Car insurance is a big item in many budgets. Saving 5 or 10% can mean $100 or more. So what’s the best way to shop for car insurance?

Step 1: Gather Information from Your Policy

You’ll need:

  • Vehicle description, including VIN;
  • Driver information (dates of birth, license numbers);
  • Details about claims, accidents or violations in the last 5 years;
  • Current coverage limits and deductibles.

Step 2. Decide Where to Get Your Quotes

You have 3 basic options for insurance quotes:

  • DIY – go online or call an 800 number. You’ll get one quote at a time from a company like GEICO or Progressive. You’ll need to call a few agents to get comparison quotes.
  • A company agent, like Liberty Mutual, State Farm or Allstate. You’ll still get only one quote. That means you’ll have to call several to compare. But unlike the DIY option, an agent will be able to offer custom advice and answer your questions.
  • An independent agent, like Noyes Hall & Allen. They provide custom advice and answers like a company agent, with the added convenience of quotes from several insurers at once.

Comparing quotes from different car insurance companies isn’t easy. Each company’s presentation looks a little different. Some may not offer the coverage limits you asked for. And they may not even tell you that it’s not the same.

Step 3: Compare Car Insurance Quotes

This 6:40 video explains what to look for, and what to watch out for.

Help With Maine Auto Insurance Quotes

If you live in Maine or are moving to the Portland Maine area, a Noyes Hall & Allen Insurance agent can help. We represent many of Maine’s top auto insurers. We can explain coverage and price differences to help you find the best insurance value. We’re independent and committed to you. Call us at 207-799-5541, or start an online insurance quote in 10 minutes.

Test Drive: Auto Insurance Driving Monitor

I’ve been testing Travelers’ Intellidrive mobile app. It uses my smartphone to track the quantity, quality, timing and location of my driving. Several insurance companies offer similar apps, including Progressive Snapshot, Allstate and Safeco Right Track. Most offer an up-front discount to try it. They adjust your rates after 6 months to reflect your driving safety.

Travelers allowed me to install Intellidrive without association to an insurance policy. These apps, known as telematics, are becoming more widespread. Clients ask me about them. It’s easier to explain and advise clients if I’ve tried the app myself.

The COVID effect – Are We Driving Less?

Most of us are driving less during COVID time. Insurance companies should give us a break for that, right? Many of them did, with across-the-board refunds in April and May.

But we’re not all driving less. In larger cities, mass transit reductions have forced people to find other ways to get around. Some of us are back to work. Some are working from home; or not working at all. Others are driving even more than before, delivering food or passengers to pay the bills.

The COVID disruption was so fast and intense that insurance companies don’t have a lot of data to adjust rates. That’s why they love these driving monitoring devices.

How Telematics Works

Like most insurance company telematics apps, Travelers Intellidrive monitors:

  • Time of Day
  • Number of Miles Driven
  • Location of Driving
  • Acceleration, Hard Braking and Speed
  • Distracted Driving

It’s usually smart enough to know when you’re a driver vs. a passenger (you can re-classify a trip if the app goofed).

Hit all the targets, and you can earn up to a 20% rate cut with most insurers. High-risk driving will cost you a surcharge. The average rate effect for all drivers is minus 5%. Insurers say 70% of customers get some discount.

The app reports how you’re doing. If you don’t like the early results, you can opt out within 45 days without any penalty. You just lose the up-front discount.

Humans are Bad at Estimating Risk

Telematics are a great way to accurately price insurance to risk. Good drivers pay less. Most of us think we’re good drivers. But are we?

Humans tend to underestimate risk, and over-estimate their own driving skills. Memory is fleeting but data lives forever.

I often talk to people who say they “have a completely clean record”, but reports show otherwise. They’re not trying to lie; they just don’t remember. That time your car was hit in the parking lot? When the deer ran in front of you? Or you had a minor fender-bender but no damage? Those are all “incidents” to insurance companies. Like it or not, they indicate a higher chance of future losses.

What I Like About Telematics

  • I’d probably save money. I’m a low mileage driver. I use my bike for most errands and to commute. Intellidrive allows me to pay lower insurance premiums for reduced driving.
  • It gives good feedback. Intellidrive records “events” that adversely affect my rates. Those can be my fault, like speeding or rapid starts.
    Or they could have nothing to do with how I’m driving, but when. Driving very late or during rush hour is a higher risk.
    This knowledge can be helpful if you want to improve your driving safety. A parent could use it to keep eyes on a teen driver. The app has videos and other driver training tips, too.
  • I’m a data nerd. I like to monitor my sleep and exercise with a fitness tracker. Intellidrive is like a FitBit for my driving. If you like that sort of thing, you’ll like telematics.

Downsides to an Insurance Company Monitoring App

  • It collects a lot of data – for an insurance company. It tracks where and when I drive. That’s useful in calculating a fair price for my insurance. It’s also valuable to others who might want to know about me.
    I know: my smartphone, smart speaker and my Fitbit already have a lot of data about me. I trade my privacy with those vendors in exchange for the utility of the product or service.  
  • The insurance company owns that data. I’m sure the insurance company says “we’ll never sell your data”. But they might sell anonymized data. And data can be hacked. Or used against me if I’m in a crash or legal proceeding.

The Long Term Effect of Telematics

Attitudes about trading data for discounts are changing. More people are choosing to let auto insurers monitor their driving. As insurers gather more data, I expect higher rates for drivers who don’t choose to be monitored. There are two reasons for this:

  • The risk of uncertainty. Insurers set rates based on experience. Telematics allow them to project your chances of loss, tied directly to your behavior. Without that data about you, insurers will want to charge a “risk premium.”
  • Adverse selection. Remember the “opt out” option? If your driving score projects a surcharge, you can bail out within the first 45 days, with no rate penalty. As telematics become more pervasive, underwriters may assume that people who decline monitoring are higher risk drivers – and warrant higher rates.

Would I Sign up for Telematics?

If I could own the data, I’d be all in. I’d like to see a driving app that I control. I want to own my driving data and decide who to share it with. I expect that would cost something. You know what they say: if it’s free, you’re the product.

If I owned the data and wanted to shop my insurance, I could export a report from my app to my agent. They could check prices and recommend coverage. The insurance companies could access my scores, but not my data. That’s the kind of telematics I would sign up for.

But I may do it anyway. Privacy is an illusion in our wired society. My smart speaker probably listens a lot more than I think it does. I share my location via smartphone for the utility of real-time maps, traffic data, and more. And auto insurance is a big-ticket item. Everyone likes to save money.

Are We At the Tipping Point?

Telematics will reach a point where the cost difference will be hard to ignore. It’s probably already there for someone who drives as little as I do. And it may be for you, too, during COVID time.

Do you live in Maine and have questions about low mileage auto insurance discounts? Want to know more about Progressive Snapshot, Travelers Intellidrive or Safeco RightTrack? Contact a Noyes Hall & Allen Insurance agent in South Portland at 207-799-5541. We offer a choice of preferred auto insurers to help you find the right fit. We’re independent and committed to you.

What is a Home Insurance Inventory and Why Do I Need One?

Portland, ME is a great place to live. Friendly neighbors, farm to table dining and safety make it a popular choice for families and retirees.

Even in a safe place like Maine, bad things can happen. If something happens to your home, you want to be confident that your  insurance will help get life back to normal. When it comes to home insurance, you want to know that your agent is on your side. The team at Noyes Hall & Allen Insurance has been committed to you since 1933.

When you file a home insurance claim, your insurance company needs to know what you lost. Then they pay you to replace it. Imagine after a tragedy trying to remember everything you had in your home. It’s overwhelming.

You can avoid stress and helplessness by preparing a home inventory. This creates a record of all the rooms in your home and what was in them. You can do it with a video, computer spreadsheet or on paper. Either way, aim for as much backup information as possible. Recording details like model numbers and receipts are a good start. Store the inventory in a safe place, and back it up in the cloud or in your safe deposit box.

Are you buying a home or condo in the Portland, ME area? Are you  considering changing insurance companies?  Call an experienced Noyes Hall & Allen Insurance agent at 207-799-5541.

We are independent agents. That means we offer you lots of choices from a wide variety of insurance companies. We will help you find the best value for the coverage you need. We’re independent and committed to you.

Adding Outside Dining to Your Portland Maine Restaurant

Portland and South Portland Maine recently passed ordinances expanding outdoor seating options for local restaurants. These respond to indications that coronavirus is less likely to spread outdoors. Soon, some local restaurants will be able to serve patrons :

  • on sidewalks
  • in parking lots or closed streets
  • in on-street parklets.

Transitioning a Restaurant to Outdoor Dining

Outdoor dining isn’t for every restaurant. Depending on your cuisine, location, formality and clientele, you may choose not to serve al fresco. If you do, here are some things to consider.

  1. Check city rules and resources. Portland and South Portland city web sites have the ordinances and applications for permits and street closures.
  2. Up your cleaning game. During the COVID threat, you’re already doing extra cleaning and disinfecting. Outside adds new cleaning challenges: pollen, dust, litter and even insects.
  3. Keep it light – and smooth. Make sure there’s enough light for employees and customers to see well. Paint or tape the edge of irregular surface levels. Avoid loose cords and other trip hazards.
  4. Watch the skies. That includes the sun. Plan your seating to avoid excessive sun exposure during meal service, if possible. Summer thunderstorms can develop fast. Have a plan to quickly evacuate your dining area and secure umbrellas and other furniture. That will help avoid injury and damage.
  5. Beware of vehicles. Create barriers between diners and vehicles – including bikes and scooters that might be on sidewalks.
  6. Watch outdoor flames. Keep propane heaters, cooking equipment and other heat sources away from flammables like fabrics and awnings.
  7. Check your insurance. Many liquor liability policies only cover you “on premises.” Does that extend to a parking lot or street? The same with property insurance for your outdoor seating and fixtures. Ask your agent about your insurance coverage.

Do you own a Portland Maine area restaurant, cafe, food truck, brewery or other food service business? Contact a Noyes Hall & Allen Insurance agent in South Portland at 207-799-5541. We’re local business owners, just like you. We offer a choice of Maine’s top business insurance companies. We’re independent and committed to you.

Doing Insurance Business Safely and Remotely

Right now, staying apart is staying safe. That includes when you buy insurance, file a claim, and repair vehicles or property.

Insurance is more necessary than ever. People value stability in uncertain times. Insurance delivers. You can do your insurance business in a low-contact, safe manner. You don’t have to sacrifice personal advice and service. Here’s how.

GET NO-TOUCH INSURANCE QUOTES

  • Get insurance quotes online. Most insurance agencies and companies offer online auto and home insurance quotes. Enter information about your vehicles and property and get quotes back. A good independent insurance agency can deliver several quotes at once. That helps you compare.
  • Get advice, not just quotes. It’s hard to know if you’re asking for the proper coverage online, or to compare the quotes you receive. That’s why most people prefer to consult an agent before they actually buy a policy. A tech-savvy insurance agent should be available by text, video or real-time chat as well as phone and email.

BUY INSURANCE REMOTELY

  • Read and sign documents electronically with e-mail, text and e-signature. These tools allow you to read and sign applications from anywhere. All you need is a computer or mobile device.
  • Use contactless payment. Most insurers accept credit cards or electronic checks using your bank account info. No need to leave home and go to the insurance office.

AVOID INSURANCE PEOPLE COMING TO YOUR HOME

Many insurers allow customers to complete a self-inspection. That usually involves answering questions about your home’s systems and emailing pictures.

In case of a claim, avoid an insurance company appraiser’s visit. Email or upload photos of your damage to the insurance adjuster.

CONTACT-FREE INSURANCE SERVICE and PAYMENTS

  • Use mobile apps. Most insurers have them. Download and use them to request changes, check on billing, make payments and file claims.
  • Don’t want to use an app? You can do many of the same things over the phone, email, video or text chat with your agent.

GET VIRTUAL INSURANCE COVERAGE REVIEWS

Modern tools allow you to meet virtually with your Insurance agent. They can even share documents with you by video. You can get personal service and answers to your questions quickly and safely, without leaving home.

DOWNLOAD INSURANCE DOCUMENTS

You don’t have to go into the insurance office to get policy documents. Here are some other ways:

  • Your insurance company’s app. Get documents on your mobile device.
  • Register for an insurance company account. Set one up and download the documents to your computer.
  • Use your agency account. Tech-forward insurance agencies offer online access. These allow you to view your policy information and download insurance documents.
  • Ask your agent to email or text your document to you.

FILE CLAIMS FROM THE SCENE

  1. Report online. Use your insurer’s mobile app to start a claim. Or register for a free account with your insurance company, and file online.
  2. Call the insurance company directly to report your claim.
  3. Call your agent who can explain your coverage, answer questions and help you file a claim.

DON’T SACRIFICE PERSONAL SERVICE

One advantage of having a local agent is that we know you and live where you do. That’s more important than ever in this era of physical separation.

Noyes Hall & Allen Insurance is a forward-thinking agency. We’ve invested in tools and ideas to provide personal advice to you easily and safely. Do you prefer text, video, phone, or a combination of all? Any way, you can get a local agent’s trusted insurance advice without venturing to our office.

Are you looking for a Maine insurance agent who can serve you safely in uncertain times? Call a Noyes Hall & Allen Insurance agent in South Portland at 207-799-5541. Or visit noyeshallallen.com.

Stay safe!