Insurance agencies · Maine
Insurance Agencies in Southwest Harbor, ME
Local agencies in Southwest Harbor 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 Southwest Harbor
Southwest Harbor has 566 residents in 297 households. We list 1 insurance agencies in Southwest Harbor. Here is what the local numbers say about the cover people here need.
Southwest Harbor at a glance
- 1insurance agencies listed
- 1976median year homes were builtRebuild cost calculator
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 Southwest Harbor 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 Southwest Harbor
How do I find an insurance agency in Southwest Harbor?
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 Southwest Harbor?
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.
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.
Nearby
Agencies near Southwest Harbor
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