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Specialties

Hello! All insurance agencies are known for some unique nich-type product to assist very specialized industries, we are no different! Here are 3 of our many Specialty Insurance Products in Maine, please fill out our form for an agent to assist you.

Main Street Business | Seasonal Home Ownership| Recreational Vehicle Insurance

Main Street Business

For your small business in Maine, you need a leader in the industry, JC Milliken located in ME, is all you need! We will be happy to review your needs and offer the best solution to make sure you are fully covered at the price you can afford. Follow these simple DONTS..

THE TOP TEN DON’TS

Consider self-insuring any part of your worker’s compensation risk.
Fail to recognize regular employees as employees and not contract workers.
Overlook ongoing employee training on maintaining workplace safety.
Feel that you can’t afford insurance. You can’t afford not to have it.
Deal with contractors who cannot furnish insurance certificates.
Permit your insurance policies to lapse for non-payment of premiums.
Deal with insurance providers with substandard ratings.
Withhold information from your insurance provider. Give the provider a complete picture of your risks.
Go “uncovered” (uninsured) in any category of insurable and significant risk.
Overlook flood or earthquake insurance if in an area of high risk.

Seasonal Home Ownership

Insurance is going to cost you more on a second home, and there’s a simple reason: You’re not there as much. But here are several tips on how to trim your second-home bill and how to make sure you have enough coverage. JC Milliken located in ME can help.

Alarm Systems
A central alarm system that detects both fire and burglaries can cut a quick 20% off the top, insurance salespeople say. A basic system costs around $300 to install, depending on the number of zones and sensors in your system, according to alarm company ADT. Expect to pay $70 and up for service each year.

A Watchful Eye
Owning a home in a gated community warrants a 10% discount. For homes in rural areas, proof that the local fire department has access to a stream, lake or other water source can mean a break of 25%. And while you won’t get a discount for hiring a caretaker, having one will convince some insurance companies that you’re worth the risk when otherwise they’d turn down your business.

Combine and Conquer
Your real estate broker may suggest that you call his local agent for the best rates. But you’re actually better off revisiting the agent who sold you coverage on your first home. By insuring your second home with the same company, you should be able to save 5% to 10%. And if you can get one of the insurance industry’s new “package policies” — which can handle two or three homes, a couple of cars, umbrella liability coverage and even a boat in one document — you’ll do even better.

Condo Issues
If you’re buying a condo instead of a free-standing home, the condo association will provide coverage for the structure. That’s part of your monthly maintenance fee. But you’re responsible for fixtures, appliances in the condo, and typically any kind of improvement, like a gourmet kitchen or whirlpool bath, as well as your own contents and liability.

Umbrella Policies
If you didn’t have an umbrella liability policy before you bought your second home, you have enough assets to warrant one now. An umbrella will extend the liability limits (typically $300,000) on your homeowners, auto and even boat policies for a reasonable sum. Insurance experts recommend a minimum of $1 million in umbrella liability for people who own two homes. That’ll run about $300. For landlords, umbrella policies are especially crucial. If one of your tenant’s clumsy friends breaks an arm diving into your pool, his lawyer may soon be knocking on your door. Call JC Milliken located in ME.

Insurance and Landlording
If you rent out your vacation home, you can expect to pay 20% over the cost of ordinary second-home insurance. That’s because you’ll be there even less than most second-home owners and insurers feel your house is at even greater risk. Besides, they argue, no one takes care of a property as well as its owner. But if you’re planning to rent it out a lot, say so. Though it sounds contradictory, some insurers such as Chubb will charge you less if it looks like there will usually be tenants around. An occupied house is less likely to be burglarized or burn to the ground.

Most second-homeowners rent their properties furnished, but if you rent empty, make sure to let your insurer know; you’ll get a break on contents coverage. And if your tenant brings his belongings into your house, he’s on his own. He can’t claim anything under your policy, and although 10% of the contents insurance from his primary residence follows him into a rental, it’s not likely to be enough in a disaster. You might require longer-term tenants to carry renter’s insurance.

Recreational Vehicle Insurance

Keep in mind that RV insurance covers several kinds of vehicles, such as motor homes—including Classes A, B, and C; motor coaches; and camper vans—as well as travel trailers, including campers, pop-ups, fifth wheels, and toy haulers. JC Milliken located in ME knows how to look for gaps in coverage.