Increasing Construction Costs – Do I Have Enough Home Insurance?

Increasing construction costs may mean you don’t have enough insurance. Building costs are very high now. The 2020 pandemic caused material supply shortages. Meanwhile, many people wanted to improve the homes where they were spending so much time. The increased demand and supply shortages caused increased building material costs.

Increasing Construction Costs in Maine

Construction costs have two components: labor and materials. Both factors have increased during COVID. Contractors have been very busy. That drove up labor costs. Material shortages and supply chain interruptions pushed material costs higher, too. There’s no doubt that it would cost more to rebuild your home if a disaster struck this year.

My Home’s Worth More than It’s Insured For

Your insurance amount is almost never your home’s market value. Real estate values include acreage, desirability of location, landscaping, hardscape and excavation. These don’t affect the cost to rebuild your home. Your insurance amount should cover reconstruction costs, and no more.

How Do Insurance Companies Set the Value of My Home?

Insurers and agents use software to estimate the cost to rebuild your home. The largest vendor of this software is MSB, now owned by CoreLogic. Using MSB, agents input your home’s dimensions and features to calculate the rebuilding cost. This software isn’t perfect. Neither are agents. The program uses historical building data. In a fast-changing market, past data can differ from actual current costs. If an agent enters incorrect information, the result can be wrong, too.

Almost every homeowners policy has a built-in inflation guard factor. Many insurers change these every year in response to current cost changes. Others increase by a flat percentage each year – often 4%.

These adjustments help cushion against inflation but they aren’t perfect. It’s a good idea to ask your agent to do a fresh MSB estimate every few years.

How Can My Insurance Adjust to Increasing Construction Costs?

Building costs rise and fall with supply and demand. They can spike after a disaster and drop when contractors are looking for work. It would be a pain to calibrate your insurance coverage every time the market changes. Insurance companies know this. That’s why they build extra coverage into many policies.

Look for something called “specified additional amount of insurance.” A common additional amount is 25%. That means that your policy has up to 25% more building coverage than the limit shown on the front page. This insulates you from cost spikes and estimating errors that could leave you without enough insurance to rebuild.

Concerned About Your Insurance?

If you live in Southern Maine, contact a Noyes Hall & Allen Insurance agent in South Portland. We offer a choice of several of Maine’s top insurance companies. We can help you find the proper coverage for your home and your budget.

Looking for new home insurance, but not ready to talk to a human yet? Get up to 5 Maine insurance quotes online here.

We’re independent and committed to you.

My Insurance Payment is Late – and It’s Not My Fault!

How to Avoid Mail Delays and Policy Cancellation

“My insurance payment is late, and it’s not my fault!” It’s happening to a lot of people and businesses right now. You don’t get a bill, or it arrives late. You mail the payment to the insurance company, and it isn’t recorded for days. Between COVID era workarounds and USPS issues, insurance billing and payment processing is more unreliable than ever. But it’s still important.

My insurance payment is late! It may not be your fault, but it's still a problem.

On Time Insurance Payment is Critical

If you pay a credit card bill late, you get a late fee. But if your insurance company doesn’t get paid, you might have no insurance. That’s why it’s critical to make your insurance payments on time.

What if the delay is not your fault? You didn’t get a bill. Or you mailed the payment days ago, but the insurance company hasn’t recorded it. It may not matter. Your insurance can still be canceled if your payment is late, no matter the reason.

If your policy cancels, two bad things happen. First, you have no insurance. Second, you’ll pay more for insurance when you need to re-start coverage. So it’s very important to make sure your policy stays active.

Ways to Make Sure Your Insurance Payment is on Time

Businesses and people are finding ways to make sure their insurance payments are on time. Maybe one of these options will work for you:

  • Electronic billing – Sign up to have your bills emailed. That avoids delays in getting insurance bills.
  • Insurance company accounts – Register for an account with your insurance company. Connect via mobile app or computer. These give you access to proof of insurance, and payment and billing info. You can even file and track a claim online through your account.
  • Pay online – Most insurance companies have a way to pay your bill instantly online. You can pay by credit card, debit card or automatic bank account withdrawal. Noyes Hall & Allen clients can find their insurance company here to pay an insurance bill online.
  • Automatic Payments (EFT) – Allow the insurance company to withdraw payments directly from your bank account. This ensures that your policy payments are always up to date.
  • AVOID Bill Pay Services – Many banks offer online bill payment services. These don’t work well with insurance bills. They don’t include your payment slip, and must be manually processed. Also, you may have more than one policy. Without the ticket, the insurance company doesn’t know which one you’re paying.
  • Double check the insurance company’s address – Many insurance companies use payment processing services. These can be thousands of miles from the insurance company office. If you mail your payment to the insurance company, they will forward it to the payment service. This causes delays in recording payments.

Answers to Maine Insurance Billing Questions

If you have an app and an online account with your insurance company, you can answer simple billing questions yourself. But sometimes it’s hard to understand what you owe or why. That’s when an agent can help. They can explain and clarify your insurance billing. Many can even take a payment over the phone if you’re ready to pay.

Southern Maine families and businesses have trusted Noyes Hall & Allen Insurance agents for more than 80 years. We can help you set up a company account or payment schedule. We can explain your bill, or even take your payment if you’re in a rush. We offer a choice of many insurance companies and billing plans. We’re independent and committed to you.

5 Reasons NOT to Buy Maine Car Insurance at a Dealer

Some car dealers now offer Maine car insurance at the time of purchase. Dealers like this because it increases their closing rate and their profits.

If you already have insurance, making a snap decision to change when buying a new car at a dealership is probably a bad choice. Here’s why.

What’s the Rush?

The salesperson may create a sense of urgency about insurance. However, there’s no rush. If you have an insurance policy with collision coverage on at least one vehicle, your policy probably automatically covers the new one until you can contact your insurance company or agent. Dealers know this; it’s been that way for decades.

Why Add Pressure?

Car buying is already a stress. Why add more? Most of us don’t make our best decisions under pressure. Moreover, you’re making a big financial commitment and choosing between expensive options on the fly. Don’t let the salesperson force you to make unnecessary snap decisions. That includes insurance.

A “Good Deal” May Not Be

First, many new cars have high-end safety features that help reduce insurance costs. Therefore, some don’t cost any more to insure than the ones they replace. So, if you get a quote at the dealer, and were pleased to see it wasn’t as much as you expected, it may still be more than your current insurance company would charge.

You Can Mess Up Your Other Insurance

Your current policy might have benefits you’ll lose. For instance, a home/auto bundle discount. Or a multi-vehicle discount. Or accident forgiveness, or some other perk. You could lose those if you make a snap decision to insure your new vehicle at the dealer. In conclusion, you might pay more – not less.

You Can End Up With Worse Insurance

First of all, most people don’t know what insurance they have. For example, the liability limits and deductibles on their policy. If they make snap insurance decisions at a dealership, they can end up with inadequate coverage.

In conclusion, if the insurance quote from your dealer is really a better value, that won’t change in a few days. Take your time. Make your insurance decisions on your schedule – not the salesperson’s. Above all, whether you switch insurance or not, you’ll have peace of mind that you made the right choice after a thoughtful decision.

Need An Insurance Quote for a New Car?

Do you live in Southern Maine? Want a quote to insure your new car? Call a Noyes Hall & Allen Insurance agent in South Portland at 207-799-5541. Or, get up to 5 Maine auto insurance quotes in 10 minutes on our website. We offer a choice of Maine’s top insurance companies. We’re independent and committed to you.

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.

Insurance Lessons I Learned When a Motorcycle Destroyed my Car

by Kayla Bachelder, Concierge Agent, Noyes Hall & Allen Insurance

A couple of years ago, my mother in law gave me her 2006 Toyota Camry. Barely 6 months later, the car met its demise. Totaled by a motorcycle. The man who hit me head-on was lucky enough to walk away with his life. His bike, and my Camry: both totaled.

Even though I work in insurance every day, I learned a lot about car insurance from my auto accident .

  • Think twice before dropping collision coverage
    As your vehicle gets older, it’s tempting to drop collision coverage to save money. I figured that if the Camry was ever totaled, I would probably just get another new vehicle instead of paying the deductible to “fix” it. 

    But keeping the collision on my older vehicle was one of my best decisions. Without collision coverage, I would have waited months for the motorcycle owner’s insurance to pay the claim. I submitted the collision claim to my insurance company. Two days later, I had the money for a new car in my bank account. This allowed me to immediately go out and shop for a car with a large down payment.

  • Don’t hesitate to seek medical attention.
    The night of the accident I was filled with adrenaline. I was in hysterics. I did after all just collide with a man on a motorcycle. I couldn’t comprehend at that time that he had run into me. I thought I had run into him.

    I told the police, paramedics and firefighters that I was ok. I refused an ambulance. The next morning, I woke in severe pain. I could barely turn my head from side to side. I had to have physical therapy for weeks and was out of work for a few days due to a concussion.

    Get checked out after a motor vehicle accident. You never know what may be going on with your body!
     
  • Rental vehicle coverage is a lifesaver
    After the accident, I had no car. My husband still had to go to work. I still had to go about my regular life. Being without a car for even two days was life changing!

    Some insurance companies quote $20 a day rental coverage. Maybe they think the lower price increases the likelihood of a sale. Some even quote no rental coverage at all!  Be careful. If you drive an SUV or large truck you might only be able to afford to rent a sub-compact. That too, my friends, will be life changing.

  •  Be careful who you let drive your vehicles
    The man who hit me was not driving his own motorcycle. Yes, the accident will be on the driver’s Motor Vehicle Report. But the claim was paid out by his friend’s insurance company. You can imagine what a large accident involving injuries and two totaled vehicles did to his insurance rates.

  • We are lucky that Maine requires auto insurance
    Vehicle owners are required to show proof of insurance to register a vehicle. This means that almost all vehicles on the road are insured. Of course there are a few out there that sneak around without it.

    What would have happened if the driver didn’t have any insurance? My Maine auto insurance includes uninsured/underinsured motorist coverage. Yours does, too. This helps cover you when another driver doesn’t have insurance and causes an accident. We live very close to the New Hampshire border where they don’t need to carry insurance! Scary! If an uninsured driver hits you, your UM coverage will pay your medical expenses, lost wages, and more.  

What to Do After an Accident

Here are some things you can do to help yourself, your claim adjuster and your insurance agent. If you can’t do these, don’t worry about it. The most important thing is to stay safe and healthy.

  1. Take photos of the damage if you can. The night of my accident became a blur. I couldn’t take photos, but because the police were involved, they took many photos.
  2. Get as much information as possible at the scene. Ask for the other driver’s name, address, phone number and insurance information. If police respond, get the officer’s name and the police report number. These are all helpful for your insurance company. If you can’t get all this information, don’t stress about it. Your agent can still help.
  3. Calm down before driving away. Being in an accident, even a small fender bender can really shake up your nerves. If you need to park your car and get a ride from someone else, do it.
  4. It’s OK to get damage appraised before deciding whether to make a claim. Just don’t get it fixed first! One exception: immediately report an accident in which someone is injured. Do not delay.
  5. It is never too late to call in a claim. Did you hit a pothole that was much deeper than you thought? Did you notice the damage to the side panel a week later? That’s ok, you can still call it in. Your independent agent can help you decide whether you want to make a claim.

WARNING: did you buy your policy from a company agent (who works for only one insurer)? Or from an insurer’s web site or 800 number? When you call those companies, you’re speaking directly to the insurer. As soon as you mention an accident, they make a claim record on your policy. Even if you’re only looking for advice. Even if you decide not to make a claim, it’s on your record. That can increase the price you pay for insurance in the future – even if that insurer never pays a dime. That’s a good reason to work with an independent insurance agent.

Have Questions About Maine Auto Insurance?

Live in Southern Maine? Contact Noyes Hall & Allen Insurance in South Portland at 207-799-5541. We’re independent and committed to you. We write policies for multiple insurance companies but represent you. That means we can give you advice that’s best for you, not the insurance company. It also means that we offer a choice of Maine’s preferred insurance companies.

Looking for Maine auto insurance quotes, but not ready to talk to an agent just yet? You can compare Maine car insurance quotes from as many as 5 insurance companies in 10 minutes on our web site.

Don’t Lose Your Stuff to Porch Pirates!

Even the most committed Portland Maine “buy local” fans occasionally buy online. The holiday season will soon be in full swing. That means more shopping, and more opportunity to be a crime victim. Porch pirates are a problem even in Maine, especially during gift-giving season. Maine’s long winter nights provide more of the darkness that thieves love.

Don’t let your joy from the “truck of happiness” turn into the frustration of a box stolen from your porch. Here are some ways to protect your valuable purchases.

Sign up for Tracking Alerts

Most online retailers offer shipment notifications via text, email or smart speaker. Many notify you the very minute your package arrives. Expecting a valuable shipment? Arrange for a trusted friend or neighbor to retrieve and hold it in a safe place until you get home.

Choose an Occupied Delivery Address

Thieves are more likely to target empty or dark homes. Have orders shipped to your work, or the home of a friend or relative who’ll be there to get it. Some online sellers have secure locker facilities or pickup locations. Others allow for pickup at the post office or other shipping store.

Install Smart Home Security

There are so many smart home camera, microphone and monitoring solutions now. Doorbell cameras; motion sensing lights and monitors; whole house security systems. The choices seem limitless. Many allow you to control and watch from a mobile phone or computer. Any option you choose is better than no security at all to reduce your theft risk.

If You are a Porch Pirate Victim

  1. Notify the police. They may be aware of theft rings in your area. Even if they can’t recover your stolen goods, they can alert your neighbors and save them from the trouble.
  2. Notify the seller or credit card company. Some online retailers or credit card plans may provide a refund or replace your stolen item.
  3. Call your insurance agent. Home, condo and renters insurance usually cover theft. If your loss was greater than your deductible (often $1000), notify your agent.

Answers to Your Maine Home Condo and Renters Insurance Questions

Whether you live in a Munjoy Hill condo, West End apartment or suburban house in Falmouth or Scarborough, we have answers to your Maine property insurance questions. If you live in Greater Portland, contact a Noyes Hall & Allen Insurance agent in South Portland at 207-799-5541.

Not ready to talk to an agent yet? Get 5 free Maine home insurance quotes online at our website. We’re independent and committed to you.

Should You Buy Car Insurance at the Dealer?

Some new car dealers offer insurance quotes as part of the car-buying process. It seems very convenient: one-stop shopping. Sign an extra document, make another down payment, and drive away with insurance!

Is it smart to buy insurance at the same time you’re buying a new car? You’re already making financial decisions: which vehicle to buy; whether or how to finance it; whether to purchase extended warranties and other options. Why not just add insurance at the same time?

When You Should Buy Insurance at the Car Dealer

You have no insurance now, and you’re driving the new one off the lot. You can’t drive off the lot without insurance. It takes time to buy insurance if you’re starting from scratch. If the dealer connects you with an agent you trust at a price you can afford, and they can insure you immediately, it makes sense.

When Not to Buy Insurance at the Car Dealer

Any other time. Here’s why: no one makes their best decisions in a hurry. And there’s really no rush.

  1. Your current insurance probably automatically covers your new vehicle. Better to get the price from your current insurer and get other prices if you want. You’re in control, and under no pressure.
  2. The car dealer’s agent will quote coverage that meet the dealer’s requirements. They want to protect the car loan. But what about your needs? Ask an agent you trust what coverage they recommend, and why. Ask follow up questions and decide at your convenience.
  3. Who will you call for insurance service or follow up questions? Is the car dealer’s insurer using a distant call center or online platform? Will you ever be able to talk to the same agent twice?

How to Compare Insurance Prices on Your New Vehicle

To find the best insurance value for your new vehicle, you have two choices:

  • Call or check various insurance companies online yourself; or
  • Contact an independent insurance agent. They represent many different insurance companies and can compare programs for you.

If you live in the Portland Maine area and recently purchased a vehicle, contact Noyes Hall & Allen Insurance in South Portland. We’re independent and committed to you. We offer a choice of 10 of Maine’s A-rated auto insurance companies. If you’re not ready to talk to an agent, get up to 5 insurance quotes online in 10 minutes on our website.

How to Reduce Car Insurance Costs for Maine Teen Drivers

Car insurance is expensive for teenagers in Maine and everywhere else. Parents worry about their kids’ driving. So do insurance companies. For good reason.

Statistics show that new drivers are the most likely to have an accident. Experience matters. Newly licensed teenagers often need more driving time to learn to anticipate and avoid hazards. Even after they gain experience, teens judge risk differently than adults.

Will my teenager be a good driver?

Some drivers are better than others. It’s hard to predict. Even responsible teens and honor roll students can be terrible drivers. We all know that being tentative on the road can be almost as dangerous as aggressive driving.

We know these factors increase the likelihood of crashes for all drivers:

  • distracted or tired driving; 
  • alcohol or drug use; 
  • late night driving; 
  • traveling in unfamiliar areas; 
  • quick stops and starts. 

How much will it cost to insure my teen driver?

Modern auto insurance pricing is sophisticated and secretive. You and your neighbor may be the same age. You may drive identical vehicles. Have similar commutes and accident records. You could still pay very different prices for car insurance. How much insurance you buy obviously affects the price you pay.

So do;

  • credit scores;
  • how long you’ve been a customer of that insurance company;
  • how long you’ve lived in your home;
  • whether you bundle your home and auto insurance.

Rate complexity makes it almost impossible to predict exactly how much your new driver will add to your insurance costs. Years ago, agents could easily do “what if” quotes. No longer. Today, they need detailed information about each driver and vehicle. Your agent may be able to estimate the cost close to the time you’re adding a new driver.

How can I tell if my teenager is driving safely?

A generation ago, parents relied on neighbors and friends to report if their teen drove recklessly around town. Now, mobile apps can track where, when and how your teen drives.

Your teen probably won’t be pleased to know that you monitor them. But driving data can also bring peace of mind to teens and parents. Because they track location, mobile apps can request roadside assistance or direct tow trucks or first responders.

Many telematics apps feature a scorecard so teens can compare their driving to their peers and improve. Some parents use these scorecards to coach their teens.

Can I assign drivers to certain vehicles on my car insurance?

Some insurance companies consider your teen to be a principal operator if you have a vehicle for every driver. If you have more drivers than cars, many insurers allow you to name one driver as an occasional operator. Principal drivers cost more than occasional ones. Makes sense. 

Some insurance companies let you assign drivers to vehicles. Others use a “blended rate” method. In a blended rate scenario, you can’t assign your 2018 Mercedes to you and your 2000 Honda to your child.

Whether your insurance company uses blended rates or not, more vehicles mean higher premiums.

Recently, a top Maine insurer introduced a new way for parents to save money on teenage car insurance. They let you designate vehicles that your child never drives. You pay a lower rate to insure those vehicles. But, if your child does drive one, you’ll pay a big deductible in case of a crash.

How can I reduce the cost of insuring my teenage driver?

Check with your agent. Each insurance company files their own rates with the Maine Bureau of Insurance. Some insurers charge more than others for young drivers. Some use blended rates, others assign vehicles. 

Discounts vary by insurer, too. Maine auto insurance companies commonly offer discounts for:

  • Honor roll or dean’s list students
  • Driver training classes
  • Students living away at school without a vehicle.
  • Monitoring via mobile app
  • Specialized online driving courses for teen drivers

Get Auto Insurance Quotes for Your Teenage Driver in Maine

Noyes Hall & Allen Insurance in South Portland offers a choice of many insurance companies. Get several quotes with one phone call to 207-799-5541. Or request a Maine auto insurance quote online. We can help you find the best value and fit for your family. We’re independent and committed to you.

How Much Will My Car Insurance Go Up After an Accident?

Most insurance companies in Maine surcharge insurance rates after you’ve had an at-fault accident. That’s because people who’ve had one accident are statistically more likely to have another. So should you pay for auto damage after a small crash yourself, instead of making an insurance claim? Here are some things to consider before you decide.

Is My Auto Accident Considered “At-fault”?

In Maine, unless another party is 100% at fault you may share some fault in the crash. Some examples of 100% at fault could be:

  • running a red light or stop sign;
  • hitting you while your car was legally parked
  • changing into your lane and sideswiping you.

“At fault” doesn’t have to mean 100% at fault. Even if the other party is mostly at fault for the crash, you are still partially responsible. If your insurance company pays to fix your vehicle, and isn’t reimbursed by another insurer, they may charge you for an “at fault accident”.

Is My Accident Damage Below the Insurance Company’s Threshold?

Some insurers don’t charge for minor at-fault accidents with no injuries. Common thresholds are $1,000 and $1,500 of total damage to all vehicles. If your damage is below that amount, they’ll simply pay your claim and not surcharge your future rates.

Do I Have Accident Forgiveness?

Several insurers allow you to avoid a surcharge for your first accident. Most charge extra for that option. Every insurer uses different rules and calls this coverage something different. It’s commonly known as “accident forgiveness”. Some insurers only forgive the accident if you have no violations in the last several years. Interested in accident forgiveness? Ask your agent to compare their offerings. There are no standard terms.

How Much Will My Insurance Increase After an Accident?

If your accident is:

  • “at fault”
  • above the company’s threshold
  • and not subject to accident forgiveness

 your rates will increase at your next auto policy renewal.

How much? That depends on:

  • How much you’re already paying. Surcharges are usually a percentage of premium. So, they more you’re paying, the higher your surcharge would be.
  • How many other accidents you’ve had. Most insurers charge a higher percentage for each accident within the 5 year experience period. If this is your second, it will cost more than the first did.
  • How long the insurance company surcharges for accidents. Many surcharge for 3 or 5 years. Some charge more the first year and decrease the surcharge each year until it’s gone.

Based upon what we see, following an accident, your insurance rates can increase anywhere from 7% to 20%.

Decreased Transparency in Insurance Rates

Insurance companies used to provide rate manuals to their agents. The manuals showed accident surcharge factors and told us how they were applied. Most insurers no longer provide this information. To agents, or even to their underwriters. Rating has also become much more complex.

Insurance companies now calculate custom rates for each person, instead of grouping similar people. Your agent can no longer predict the exact effect an accident will have on your future insurance costs. Even the insurance company underwriters are in the dark. They can’t answer questions any better than agents can. It’s far from ideal.

We’re Here to Help

At Noyes Hall & Allen, we recommend that our clients buy accident forgiveness if they want maximum stability. This helps keep insurance costs predictable. Most good drivers appreciate that. For answers to your Maine auto insurance questions, contact a Noyes Hall & Allen Insurance agent in South Portland at 207-799-5541. We offer a choice of several insurance companies, so we can help you find the best fit. We’re independent and committed to you.

Access Your Insurance Policy Info 24 X 7 – Noyes Hall & Allen Client Center

We have invested in a new service for our clients: 24 x 7 access to your insurance documents from the Noyes Hall & Allen Insurance Client Center. Now you can view your secure policy information, download insurance cards and other proof of insurance, and request policy changes anytime. This 6:17 video explains how:

  1. Log in to the Noyes Hall & Allen Client Center from our home page. Simply enter the email address associated with your account. We will email a one-time code. Enter it in the field, and you’re in!
    Note: some mobile users may have difficulty with certain browsers. We’ve found that Google Chrome works reliably with most devices. 
  2. Select View Account to see the information you want.
  3. Select Policy to see your in-force policies and coverage info, or Documents to see or download proof of insurance, correspondence, or other information we have shared with you. Note that you can also request a change to your insurance policies from the Client Center.
  4. When you’re done, you can log out by clicking on the person icon in the upper right, or simply closing your browser. Our vendor uses the latest security technology to keep your personal information private. You can view our privacy policy here.

THAT’S IT! 

We hope you find the Noyes Hall & Allen Insurance Client Center useful to access your information when it’s convenient for you, whether the office is open or not.

Please note that these are very simplified views of your policy info. You may have purchased additional coverage which doesn’t show on the Client Center policy screen. Your actual insurance policy is always the definitive document of your coverage.

If you have any questions about your insurance, call a Noyes Hall & Allen agent at 207-799-5541. We’re independent and committed to you!