You don’t need to do difficult things in most cases in order to get the cheapest Maine home owner insurance rates.  You may be embarrassed to discover that all that’s keeping you from far cheaper rates are little things you can quickly deal with. Here is a recommendation that will bring you closer to the goal: Let your insurance provider be paid your premiums automatically and you will get a good discount. Just tell your bank that you intend to set up an EFT (Electronic Fund Transfer) in favor of your insurer. In addition to saving you in premiums you will also save yourself a lot of time and hassles.