Insurance agencies · Maine
Insurance Agencies in Ellsworth, ME
Local agencies in Ellsworth for home, auto, life and business insurance. Compare them and call one directly.
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Local insight
Insuring a home, car or business in Ellsworth
Ellsworth has 8,657 residents in 3,731 households. We list 2 insurance agencies in Ellsworth. Here is what the local numbers say about the cover people here need.
Ellsworth at a glance
- 2insurance agencies listed
- 33.3%of households rentRenters insurance
- $242,300median home valueHome insurance
- 1980median year homes were builtRebuild cost calculator
- 12.2%of households have no carAuto insurance
- 6.8%of homes are mobile homesMobile home insurance
Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.
Natural hazard risk in Hancock County
FEMA rates the overall natural hazard risk in Hancock County, where most Ellsworth agencies we list are located, as Relatively Low compared with other U.S. counties. The hazards it rates highest:
- Winter weather
- Ice storm
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 Ellsworth
How do I find an insurance agency in Ellsworth?
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 Ellsworth?
FEMA's National Risk Index rates coastal flooding risk in Hancock 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.
Do I need renters insurance in Ellsworth?
33.3% of households in Ellsworth rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.
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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