Home Insurance Non-Renewals in Maine, County by County
0.61 percent of Maine homeowners policies were not renewed in 2023. Every county in the Senate Budget Committee file, 2018 to 2023, with its policy base.
The state series
| Year | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|
| Rate | 0.40% | 0.43% | 0.36% | 0.35% | 0.51% | 0.61% |
One county of Maine looks much like another in this file. The 2023 readings run from 0.43 percent in Lincoln to 0.95 percent in Aroostook, a spread of 0.52 points, against 0.61 percent for the state. The address matters less here than it does in most of the national table. Among the 51 jurisdictions the committee measured, the 2023 reading puts Maine 46th. The peak is 2023. The floor of the series is 0.35 percent in 2021. Across the five year-on-year steps the rate rose three times and fell twice. The next county is Washington at 0.87 percent, 0.08 points behind Aroostook. Across the 16 counties with a 2023 reading the midpoint is 0.57 percent against 0.61 percent for the state. Under the 2023 rate sit 1,411 policies the insurer chose not to renew out of 233,063 in force, against 799 out of 199,349 six years earlier, so the count of dropped policies rose over the file while the book behind it grew. The national top 100 counties by 2023 rate, counted from books of at least 500 policies, holds nothing from this state. Read every figure above as the insurer walking away at renewal rather than the customer shopping around. Cancellations by homeowners are counted nowhere in the file.
Every county in the file
Every county the committee reported is listed here with its 2023 policy count, and every one of those counts clears the 500 policies a rate needs before it can be ranked or named. Nothing on this page was set aside. A book that small turns a single lapsed policy into whole percentage points.
| County | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | Policies in force 2023 | Trend |
|---|---|---|---|---|---|---|---|---|
| Aroostook | 0.45% | 0.49% | 0.28% | 0.46% | 0.96% | 0.95% | 9,934 | up |
| Washington | 0.44% | 0.56% | 0.50% | 0.60% | 0.93% | 0.87% | 4,729 | up |
| Oxford | 0.42% | 0.46% | 0.44% | 0.42% | 0.69% | 0.76% | 12,185 | up |
| Piscataquis | 0.48% | 0.38% | 0.33% | 0.41% | 0.77% | 0.72% | 5,532 | up |
| Androscoggin | 0.39% | 0.50% | 0.32% | 0.38% | 0.41% | 0.67% | 17,506 | up |
| Waldo | 0.46% | 0.71% | 0.33% | 0.37% | 0.57% | 0.60% | 7,303 | up |
| York | 0.36% | 0.33% | 0.47% | 0.28% | 0.34% | 0.59% | 37,161 | up |
| Cumberland | 0.33% | 0.27% | 0.32% | 0.29% | 0.36% | 0.57% | 47,799 | up |
| Franklin | 0.33% | 0.55% | 0.47% | 0.33% | 0.69% | 0.57% | 5,581 | up |
| Sagadahoc | 0.45% | 0.38% | 0.36% | 0.48% | 0.37% | 0.57% | 6,446 | up |
| Hancock | 0.68% | 0.60% | 0.28% | 0.45% | 0.54% | 0.56% | 10,087 | down |
| Somerset | 0.41% | 0.55% | 0.40% | 0.31% | 1.00% | 0.56% | 9,412 | up |
| Kennebec | 0.33% | 0.39% | 0.30% | 0.29% | 0.46% | 0.54% | 23,932 | up |
| Penobscot | 0.54% | 0.60% | 0.35% | 0.42% | 0.66% | 0.54% | 21,907 | flat |
| Knox | 0.40% | 0.52% | 0.35% | 0.27% | 0.44% | 0.50% | 6,976 | flat |
| Lincoln | 0.35% | 0.56% | 0.33% | 0.44% | 0.41% | 0.43% | 6,573 | flat |
Data last updated , the committee’s release date. Download the full county file as CSV, policy bases included.
The notice window
Before an insurer in Maine can end a policy at its term it must give notice that reaches the insured at least 30 days before the expiration date, under Maine Revised Statutes title 24-A section 3051.
Sources
Every figure on this page comes from the record below.
- Senate Budget Committee, county-level homeowners insurance non-renewal dataset, 2018 to 2023, released December 2024. Committee release. Machine-readable copy: dataset mirror.
- Coverage: 23 insurers, about two thirds of the United States homeowners market, 249 million policy records over the six years.