Insurance agencies · Maine

Insurance Agencies in Damariscotta, ME

Local agencies in Damariscotta for home, auto, life and business insurance. Compare them and call one directly.

Local insight

Insuring a home, car or business in Damariscotta

Damariscotta has 1,100 residents in 494 households. We list 2 insurance agencies in Damariscotta. Here is what the local numbers say about the cover people here need.

Damariscotta at a glance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Lincoln County

FEMA rates the overall natural hazard risk in Lincoln County, where most Damariscotta agencies we list are located, as Very Low compared with other U.S. counties. The hazards it rates highest:

  • Winter weatherRelatively High
  • Ice stormRelatively High

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Maine

Maine requires drivers to carry at least $50,000 of bodily injury liability per person, $100,000 per accident and $25,000 of property damage liability, often written 50/100/25. It also requires medical payments coverage ($2,000) and uninsured and underinsured motorist coverage ($50,000 per person, $100,000 per accident).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in MaineHow much liability cover do you need?

Source: legislature.maine.gov. Checked 2026-10-24.

Questions

Insurance agencies in Damariscotta

How do I find an insurance agency in Damariscotta?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

Do I need flood insurance in Damariscotta?

FEMA's National Risk Index rates coastal flooding risk in Lincoln County as Relatively Moderate compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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