Insurance, Done Plainly

Protection built around your life, not our paperwork.

Harborstone is an independent agency offering home, auto, life, and business coverage — sourced from 30+ carriers and matched to what you actually need.

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30+Carrier partners

14,200Policies in force

4.9/5Client rating

Sample Policy Snapshot

Homeowners — Standard Plus

Dwelling Coverage$450,000

Liability Protection$300,000

Deductible$1,000

Est. Monthly Premium$89 / mo

Illustrative only. Your quote is built from your address, claims history, and coverage goals — never a generic template.

Lines of Coverage

One agency, every policy that matters.

We hold appointments with dozens of carriers so we can shop your risk, not just sell you a single company's product.

01 — Home

Homeowners & Renters

Dwelling, liability, and contents coverage shaped around your property and local risk factors.

From $42/mo

02 — Auto

Personal Auto

Liability, collision, and comprehensive coverage with multi-vehicle and bundling discounts.

From $58/mo

03 — Life

Term & Whole Life

Income protection for the people who depend on you, with plans that scale as life changes.

From $19/mo

04 — Business

Commercial & Liability

General liability, property, and workers' comp for small and mid-size businesses.

Custom quote

05 — Umbrella

Umbrella Policies

Extra liability protection layered on top of existing home and auto policies.

From $14/mo

06 — Health

Health & Supplemental

Individual, family, and Medicare supplement plans for every life stage.

Custom quote

Est. 2009

INDEPENDENT & LOCALLY OWNED

About Harborstone

Sixteen years of straight answers about coverage.

Harborstone was founded on a simple frustration: insurance shopping shouldn't require a translator. We're a team of seven licensed agents who compare policies across carriers, explain the fine print in plain English, and stay on your file long after the sale.

Independent by design

We work for you, not one insurance company — so the recommendation fits your risk, not a sales quota.

A named agent, every time

No call centers. The person who writes your policy is the person who answers when you call.

Annual coverage reviews

Life changes — so we revisit your policy every year to catch gaps before they cost you.

Client Stories

What people say after the claim, not just after the sale.

Reviews are easy when nothing goes wrong. Here's what clients told us after we actually had to show up.

“

After the pipe burst, our agent had an adjuster out within two days and walked us through every line of the claim. Never felt alone in it.

Maria KeeneHomeowner, Westbrook

“

They found us a better commercial policy than our old broker had quoted for three years running, and explained exactly why the coverage was different.

David TorresOwner, Torres & Sons Electric

“

I called with a dumb question about my deductible and got a real person who actually answered it instead of reading a script. That's rare.

Renee ParkAuto & Life Client, Portland

Talk To A Human

Insurance is confusing on purpose. We're not.

Every Harborstone client is paired with a licensed agent who picks up the phone — not a queue, not a chatbot. Ask about deductibles, claims, or why your premium changed, and get a straight answer in minutes.

Average call answered in under 90 seconds
Same agent from quote through claim
No scripts, no upsell quotas

Talk to an Agent

Common Questions

Before you call, you might find it here.

Straight answers to what people usually ask before getting a quote.

How is Harborstone different from buying directly from one insurer?

We're an independent agency, so we compare pricing and coverage across 30+ carriers for your specific situation, rather than offering a single company's product. You usually end up with better coverage, a better price, or both.

How long does it take to get a quote?

Submit the form below and a licensed agent typically follows up within one business day with real, underwritten numbers — not a rough estimate.

Will requesting a quote affect my credit score?

No. An initial quote doesn't require a hard credit pull. We'll always tell you before anything that could affect your credit is run.

Can I bundle home, auto, and life policies?

Yes — bundling is one of the fastest ways to lower your overall premium, and your agent will flag bundling discounts automatically when building your quote.

What happens when I need to file a claim?

Call your named agent directly, day or night. We help you file with the carrier, track the adjuster timeline, and stay involved until the claim is resolved — not just at the point of sale.

Which states are you licensed in?

Maine, New Hampshire, Massachusetts, Vermont, Connecticut, Rhode Island, and six additional states. Ask your agent to confirm coverage in your state.

Get Covered

Tell us a little, we'll quote a lot.

Fill in the basics and a licensed agent will follow up with real numbers — usually within one business day, never a robocall.

(555) 014-2289Mon–Fri, 8am–6pm

quotes@harborstoneinsurance.comWe reply within one business day

118 Harbor Street, Suite 4Portland, ME 04101

Request received.

Thanks — a Harborstone agent will reach out within one business day with your quote.