Your home isn’t just a building—it’s where life happens. It’s where you celebrate milestones, spend time with loved ones, and create memories. At Sevigney Lyons Insurance Agency, we understand the importance of your home and what it represents. That’s why we’re here to help protect it with personalized homeowners insurance coverage designed for Maine homeowners.
Whether you’re settling into a cozy home in Wells, enjoying the charm of Kennebunk, or living by the shore in Ogunquit or Biddeford, having the right coverage ensures you’re prepared for life’s unexpected moments. Our goal is simple: to provide Maine residents with the best homeowners insurance coverage available—at rates that make sense for your budget.
Owning a home is one of life’s biggest achievements—and responsibilities. From harsh Maine winters to the occasional summer storm, homeowners in Wells, Kennebunk, Ogunquit, and Biddeford face unique challenges. Having the right insurance policy can mean the difference between minor inconvenience and financial hardship.
Imagine your home suffers roof damage after a winter storm or a fire causes unexpected destruction. Without proper coverage, you’d be left footing the bill for repairs or rebuilding. Homeowners insurance offers the security and peace of mind that come with knowing your most valuable asset is protected.
At Sevigney Lyons Insurance Agency, we make it easy to understand your homeowners insurance policy. Comprehensive coverage typically includes:
• Protects the physical structure of your home, including the roof, walls, and foundation, against risks like fire, storms, or vandalism.
• Covers repair or rebuild costs if your home is damaged or destroyed.
• Protects your belongings, such as furniture, appliances, clothing, and electronics, from covered perils like theft, fire, or water damage.
• Offers replacement or repair for lost or damaged items, whether at home or temporarily off-site.
• Shields you financially if someone is injured on your property or if you accidentally cause damage to someone else’s property.
• Covers legal fees, medical bills, and other costs associated with liability claims.
• Pays for temporary housing and other living expenses if your home becomes uninhabitable due to a covered event.
Because no two homes—or homeowners—are the same, we also offer optional coverage, including:
• Flood Insurance: is essential for flood-prone properties like coastal Ogunquit or Biddeford.
• Winter Damage Coverage: Protects against ice dams, burst pipes, and other cold-weather risks.
• Valuables Coverage: Offers extra protection for high-value items like jewelry, art, or antiques.
At Sevigney Lyons Insurance Agency, we’re more than just an insurance provider. We’re part of your community, and we’re committed to helping our neighbors in Wells, Kennebunk, Ogunquit, and Biddeford feel secure in their homes. Here’s what sets us apart:
Maine’s homeowners face unique challenges, from freezing winters to coastal storms. Our team lives and works in the area, so we understand the risks you face and can tailor your policy accordingly.
You won’t find cookie-cutter policies here. We take the time to get to know you and your home, ensuring you get the exact coverage you need without paying for extras you don’t need.
As an independent agency, we work with a variety of top insurance providers to find the best coverage at the most affordable price.
When life throws you a curveball, you can count on us to be there. Whether you need help understanding your policy, filing a claim, or exploring new coverage options, our team is always a call away.
Living in Maine has its perks—stunning natural beauty, close-knit communities, and four distinct seasons. But those seasons can also bring challenges. We offer homeowners insurance policies specifically designed to address Maine’s unique needs.
Maine winters can be tough on homes, from heavy snow to ice dams and freezing pipes. Our policies cover common winter-related damages so you can focus on staying warm.
If you live near the coast in Ogunquit or Biddeford, you know that storms can bring high winds, heavy rains, and flooding. We offer coverage to help protect your home from these risks.
Kennebunk and Wells are home to many historic and architecturally unique properties. We offer specialized policies to protect these homes while preserving their charm.
While homeowners insurance isn’t legally required in Maine, most mortgage lenders will require it. Even if you own your home outright, having coverage is a smart way to protect your investment.
The cost varies based on factors like the size of your home, its location, and the coverage options you choose. At Sevigney Lyons, we work with multiple providers to find you the best coverage at a price you can afford.
Standard homeowners insurance does not cover flood damage. If you live near the coast or in a flood-prone area like Ogunquit or Biddeford, we recommend adding flood insurance to your policy.
Absolutely! Every home is unique, and we can tailor your policy to include optional coverage for risks like winter damage, high-value items, or additional liability.
You may need additional coverage if you rent out your home in a vacation destination like Kennebunk or Ogunquit. We can help you find the right policy to protect your property and guests.
With Sevigney Lyons, filing a claim is simple. Contact our team directly, and we’ll guide you through every step of the process to ensure you get the support you need.
Your home is one of your most valuable assets—don’t leave it unprotected. Whether you live in Wells, Kennebunk, Ogunquit, Biddeford, or anywhere else in Maine, Sevigney Lyons Insurance Agency is here to help.
• Local expertise and personalized service.
• Affordable rates from trusted providers.
• A dedicated team that’s always here for you.
• Independent access to the best insurance carriers.
At Sevigney Lyons Insurance Agency, we’re here to protect what matters most. Let us help you find the perfect homeowners insurance policy so you can focus on enjoying all that Maine has to offer. Get a free Maine Homeowners Insurance Quote Today!
