High-Quality Insurance Solutions Designed to Fit Your Needs and Budget

Proudly insuring Maine and New Hampshire since 2003.

433 US Route 1, York, ME 03909

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Schmid Insurance Agency, Inc.

Insuring Maine and New Hampshire since 2003.

For nearly 20 years, Schmid Insurance Agency has been committed to providing people and businesses with the highest quality insurance solutions at affordable rates. That’s because we believe it shouldn’t be expensive to protect what you care about. We work with you one-on-one to establish your goals, what you want to protect, and your budget to find coverage that works for you, not the other way around.

Although our primary area of service is in York, ME, Schmid Insurance Agency offers unparalleled service and competitive quotes to clients throughout Maine and New Hampshire. We are proud to be a part of our local community, which makes all the difference in serving people and businesses that live and work where we do. And unlike many of the larger nationwide insurance companies that are out there, all of your information will be kept secure and private. Are you ready to work with an agency that cares about you? We are here to help you with your unique insurance needs.

Office Insuring 2 States

We are proud to serve our local community of York, ME, and insure people and businesses across Maine and New Hampshire.

The Advantage of an Independent Agency Working for You

What makes our independent agency different?

Quality Insurance That Works for Your Needs

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

Business Insurance

Coverage and risk management solutions for companies of all sizes.

Your Local Agency

We live and work in the same communities that you do, so we understand how to protect what matters most to you.

Your Needs Matter

We care about helping you find the right insurance for you, your family, or your business at affordable rates.

Your Professional Agents

Our experienced insurance professionals look forward to working with you and are here to help you every step of the way.

What Makes Schmid Insurance Agency, Inc. Special

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Get a glimpse of the risks you face and how your insurance can protect what matters most.

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.

Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.

The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.

Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.

Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.

Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.

Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Auto Insurance 101

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  Contact Schmid Insurance Agency, Inc.

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York, ME

433 US Route 1 York, ME 03909

 207-363-0543  207-604-2047 cell   allen@schmid-insurance.com

Here at Schmid Insurance Agency, Inc., our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come.

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