Mon to Fri 8:30 to 5:30  ·  Sat 9 to 12  ·  14 Wharf Lane, Port Ellery Talk to a real agent: (207) 555-0148
Harbor & PineInsurance · Est. 1974
(207) 555-0148 Get a quote
Independent agency · Three generations on the harbor

Cover the house, the car, the boat. All of it.

Harbor & Pine is a family agency on the coast. We shop 20+ top-rated carriers for your home, auto, boat and umbrella, and you get one agent who picks up the phone.

Get my quote Call (207) 555-0148
★★★★★[000] Google reviews
Quotes in under 10 minutes Licensed in 6 states 20+ carriers

Your quote, today.

Four fields, about 30 seconds. A licensed agent calls you with real numbers.

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★★★★★ [000] reviewsQuotes in under 10 minLicensed in 6 states

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Since 1974Three generations, one harbor
20+ carriersTop-rated, shopped for you
6 statesME, NH, MA, RI, CT, VT
One agentYour name, their direct line
Bundle builder

Tick what you own. See what we'd cover.

Plenty of coastal families carry the house, the cars and the boat with three different companies. Build yours here, then send it to us as one quote request.

Your bundle

Start with one tile.

Nothing selected yet
  • Pick home, auto, boat or umbrella and we'll show you what a typical policy covers.
A kitchen table by a window overlooking the harbor, with a coffee mug, a folded policy and a house key
Our family

Fifty years at the same kitchen tables.

Our grandfather opened the office on Wharf Lane in 1974 to insure his neighbors' fishing boats. His kids added homes and cars. Today the third generation runs it the same way: we answer our own phones, we know the roads, and we know which streets flood in a nor'easter.

Because we're independent, we work for you, not for one insurance company. When your renewal jumps, we shop it again.

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★★★★★ [000] reviews · Quotes in under 10 minutes · Licensed in 6 states

Coverage

Built for life near the water.

01

Homeowners

Dwelling, contents and liability, with the coastal details handled: wind and hail deductibles, flood options and older-home replacement cost.

02

Auto

Liability, collision and comprehensive for every car in the driveway, including the truck that tows the boat and the new driver in the family.

03

Boat & watercraft

Hull, liability, towing and trailer coverage, written by people who know a mooring from a slip and a lay-up period from a launch date.

04

Umbrella

An extra layer of liability that sits over your home, auto and boat. Often the least expensive policy in the bundle for what it protects.

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★★★★★ [000] reviews · Quotes in under 10 minutes · Licensed in 6 states

A navy wooden workboat tied to a weathered dock in morning fog
We started with boats.Our first policies were for fishing boats in this harbor. We still write them.
Our carriers

20+ top-rated companies.

One agency, many markets. If a carrier stops being a good fit for your coast or your boat, we move you to one that is.

SaltmarshMutual
NorthwindCasualty
Granite PointInsurance
TidewaterGroup
LedgestoneIndemnity
BluefinMarine

Carrier names shown are placeholders for this demo template.

Licensed in
  • Maine
  • New Hampshire
  • Massachusetts
  • Rhode Island
  • Connecticut
  • Vermont
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★★★★★ [000] reviews · Quotes in under 10 minutes · Licensed in 6 states

Reviews

What neighbors tell neighbors.

"Put the house, both cars and the boat in one place. One renewal date, one person to call."
Karen L.Sample review
"After the winter storm they had an adjuster out to us fast. I didn't sit on hold once."
Tom R.Sample review
"Our renewal went up and they shopped it the same week. Same coverage, better carrier."
Meg D.Sample review
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★★★★★ [000] reviews · Quotes in under 10 minutes · Licensed in 6 states

FAQ

Good questions.

Don't see yours? Call (207) 555-0148 and ask a person.

Does bundling actually save money?

Usually, yes. Most carriers offer a multi-policy discount when home and auto sit together, and adding an umbrella is often inexpensive once the underlying policies are in place. We'll show you bundled and unbundled prices side by side.

Is flood covered by my homeowners policy?

Standard homeowners policies typically exclude flood. If you're near the water we'll quote a separate flood policy and explain the waiting period before it starts.

What do you need from me for a quote?

Your name, address, the drivers and vehicles in the household, and for a boat the year, make, length and where it's kept. Your current declarations pages speed things up.

Can you cover a seasonal or rental home?

Yes. Seasonal, secondary and short-term rental homes need the right policy form, and we place them regularly.

What happens when I have a claim?

Call us first. Your agent helps you file, gets the adjuster moving and stays on it until it's settled.

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★★★★★ [000] reviews · Quotes in under 10 minutes · Licensed in 6 states

Get started

Lights on, doors locked, covered.

One quote for everything you own on the coast. Under 10 minutes.

Get my quote Call (207) 555-0148
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