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Maine homeowners insurance premium discounts for home hardening and safety upgrades
Maine Bureau of Insurance · State program
No statewide fixed amount; depends on insurer and discount type
Maine’s Bureau of Insurance says homeowners should check with their insurer because discounts may be available for home improvements and safety devices. The page does not set a statewide discount amount; the amount depends on the insurer.
Program details
How it works
The Maine Bureau of Insurance advises homeowners to review their policy and ask their insurer or agent about discounts that may apply after home improvements or other changes. The Bureau says insurers may offer premium discounts for maintenance work and home upgrades.
What the money covers
The Bureau’s official guidance lists examples of upgrades or features that may qualify for discounts, including:
- a new roof
- updated plumbing, heating, or electrical systems
- smoke detectors
- sprinkler systems
- storm shutters
- back-up generators
- burglar alarms
- door deadbolts
- window security devices
Amounts and matching
The Bureau does not publish a fixed statewide discount amount. Discounts are insurer-specific and homeowners must ask their insurance company or agent whether a particular improvement qualifies.
Timing and deadlines
The guidance is current as of February 3, 2026 and encourages homeowners to report any major repair or renovation promptly so the home is properly insured and any applicable discounts can be applied.
Full eligibility details
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