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Desmond & Payne Inc. in Lewiston, ME

Learn about our insurance products

  • Car Insurance

    Get an auto insurance policy you can count on from Nationwide.

  • Home Insurance

    Protect your house and personal property by choosing the right insurance coverage from Nationwide.

  • Life Insurance

    Let us help you select life insurance coverage that meets your needs, your life and your budget.

  • Business Insurance

    Cover your business with commercial insurance from Nationwide.

Member support

24/7 Claims Service
1-800-421-35351-800-421-3535

About Desmond & Payne Inc.

Services

  • Auto
  • Commercial
  • Farm
  • Financial
  • Home
  • Powersports

Our Insurance Products

The Desmond & Payne Inc. in Lewiston, ME provides the following products. To learn more about each insurance product, click on the links below.

  • Car Insurance

    Understanding the language of insurance policies can be difficult, which is why Desmond & Payne Inc. focuses on being your guide to coverage whenever you ask for a quote on a new auto insurance policy. Whether you are looking to keep coverage on an older vehicle or you want to make sure your new purchase is fully protected, there are a variety of coverage options offered by Desmond & Payne Inc. to fit any driver's needs in Lewiston.

    Liability coverage is the first and most basic kind required by most states, but your optimum level of coverage and your state's minimum requirements might be quite different. It all depends on your individual needs starting with the vehicle you drive. Agents at Desmond & Payne Inc. understand this, and part of the process of finding the right policy for each driver is finding the right combination of features. That means not only taking care of basic liability but also assessing your needs for collision insurance protection and comprehensive coverage to provide drivers with peace of mind even when the vehicle is parked.

    To ask questions about coverage or to talk to Desmond & Payne Inc. about other discounts you might qualify for, give our offices a call at (207) 783-8591. We are also able to make appointments for face to face consultations at our office located at 150 Mill St. Whether you want to know more about prices and coverage levels or you're ready to move forward with a purchase, our agency is ready to help with your auto insurance questions.

  • Home Insurance

    Feeling confident in your insurance policy's ability to protect what matters most is very important. Nationwide customers across the country have known for years that their chosen insurer is going to be there for them through the biggest life changes. Here at Desmond & Payne Inc., we are pleased to offer personalized insurance solutions to our valued Lewiston customers. This is a great time to re-evaluate your insurance needs and make sure your policies are working hard on your behalf.

    Any changes in your life may require taking a second look at insurance coverage. For instance, remodeling or renovating a home can increase its value considerably, which might mean your old home insurance policy is no longer reflective of your actual needs. Visiting with Desmond & Payne Inc. is a great way to explore your home insurance policy options and other important coverage solutions.

    Thanks to the many coverage options made available through Nationwide, we can offer a more personalized approach to policy creation. Having home insurance tailored to your individual needs is the best way to ensure you are getting the best value. We can help evaluate your current home insurance needs and assist in determining the forms of coverage that best address your concerns. Contact Desmond & Payne Inc. today by calling (207) 783-8591 or visit our offices at 150 Mill St. We look forward to helping your insurance do more for you.

  • Life Insurance

    If you have children, a spouse or anyone in your life who depends upon you financially, you need life insurance. The same holds true if you depend upon someone else financially. Life is unpredictable but it is within your power to minimize or even eliminate the financial impact of unexpected life events.

    We at Desmond & Payne Inc. are here to help people like you in the Lewiston area. We are here to answer your questions and make life insurance understandable. We will explain term versus permanent insurance and we will outline the types of life insurance that may be best for you.

    When determining the amount of coverage you need, you should consider both your present and future circumstances. What are your current financial needs and what do you expect to be the future financial needs for your family?

    You should factor in your current age, income and debts and the likely financial impact of lost income. You should also consider final expenses as well as future educational needs for your children and even for yourself or your spouse. If you are a one-income household, you should be sure to purchase a policy that will cover that income in its entirety if lost.

    Life gets hectic; make sure you are not too busy to take care of yourself and your family. Call Desmond & Payne Inc. at (207) 783-8591. We are located at 150 Mill St. Let us help you find the right policy to assure your family’s financial security.


    LAW-0248AO (05/18)

  • Business Insurance

    When unexpected problems arise in the course of doing business, you need to have someone you can depend on. The Desmond & Payne Inc. team has been helping Irwin business owners with their insurance concerns for many years. From assisting new business owners with a selection of their first policy to providing improved coverage for organizations growing to new heights, we can help our customers access great coverage at every stage. We know that insurance is personal, so we offer customized coverage options that more precisely address the concerns affecting your organization. This is a great way to obtain coverage that works hard for you.

    We work with Nationwide to provide a better selection of coverage solutions to customers looking for business insurance policies. With options such as a businessowners policy (BOP) that includes general liability and commercial property, we are better able to offer the kind of coverage that modern organizations are most interested in. Your insurance policy is going to be working around the clock to protect your interests, and personalizing your policy with the help of Desmond & Payne Inc. agents will make sure that this important protection is operating correctly.

    Companies in the midst of big changes may also need their business insurance policies revised. If your company is facing restructuring, relocating, or other upheavals, then this is a good time to reevaluate your coverage needs. Call (207) 783-8591 today to speak with an agent at Desmond & Payne Inc.. Our 150 Mill St office is here to help business owners serving every industry. Discover improved coverage solutions through Nationwide and Desmond & Payne Inc..

    Nationwide offers small business resources to help you strengthen your business, such as financial calculators and information and articles on marketing and cash flow management. Learn more at the Business Solutions Center.

The Desmond & Payne Inc. also offers products in AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, ID, IL, IN, IA, KS, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY, KY, NJ. Please call for information on products in those states.