On this page
Property and casualty rate, rule and form filings in Maine are reviewed by the Maine Bureau of Insurance. This page summarizes how filing works there from public sources: where to search filings that are already public, and the statutes, regulations and department guidance that set the rules, grouped by line of business. Every entry links to the official source.
At a glance
| Regulator | Maine Bureau of Insurance |
|---|---|
| Public filings | SERFF Filing Access (how to search) |
| Lines summarized | Homeowners, Personal auto, Property and dwelling fire, Workers' compensation, General and other liability, Commercial multi-peril, Medical professional liability, Farmowners, Earthquake, Homeowners and auto combination, Product liability, Surety, Title |
| Last reviewed |
Key filing rules
Selected statutes, regulations and guidance on how rates and forms are filed and reviewed in Maine, each linked to the official text.
- Title 24-A §2304-A - Rate filingsStatute
- Title 24-A §2304-C - Public access to rate filingsStatute
- Title 24-A §3059 - Insurer valuation of property; increase in premium; noticeHomeowners · Statute
- 24-A M.R.S. §2382 - Workers' compensation rate standardsWorkers' compensation · Statute
- 24-A M.R.S. §2382-C and §2384-A - Prefiling of rates, rating information and formsWorkers' compensation · Statute
- 24-A M.R.S. §2303 — The rate standard, the factor list and the authority for a package modificationCommercial multi-peril · Statute
How to search Maine's public rate and form filings
- The Maine Bureau of Insurance says its rate, rule and form filings are available to the public through the SERFF Filing Access website, linked from its Licensees page. Source
- Insurers must submit all property and casualty rate, rule and form filings to the Bureau through SERFF, so those filings sit in the same system. Source
Start from the department's page: Maine Bureau of Insurance.
Checked
Rules for every line
Statutes, regulations and guidance that apply across property and casualty lines.
- Title 24-A §2169-B - Use of consumer reports in insurance underwritingStatute
- Title 24-A §2303 - Making of ratesStatute
- Title 24-A §2304-A - Rate filingsStatute
- Title 24-A §2304-B - Reference filingsStatute
- Title 24-A §2304-C - Public access to rate filingsStatute
- Title 24-A §2308 - Excess ratesStatute
- Title 24-A §2325-B - Mandatory property and casualty insurance market assistance programStatute
- Title 24-A §2412 - Filing, approval of formsStatute
Last reviewed
Homeowners
Maine sources for homeowners filings (SERFF type of insurance 04.0 Homeowners).
- Title 24-A §2308(2) - Restrictive formsStatute
- Title 24-A §2325-B - Market assistance program for property risksStatute
- Title 24-A §3002 - Standard fire policy required; exceptionsStatute
- Title 24-A §3004-A - Actual cash valueStatute
- Title 24-A §3059 - Insurer valuation of property; increase in premium; noticeStatute
- Title 24-A §§3048, 3050, 3051 - Cancellation and nonrenewal of homeowners policiesStatute
Last reviewed
Personal auto
Maine sources for personal auto filings (SERFF type of insurance 19.0 Personal Auto).
- Title 24-A §2174-B - Law enforcement officers' and emergency responders' insurance ratesStatute
- Title 24-A §2325 - Assigned risksStatute
- Title 24-A §2902 - Uninsured vehicle coverage; insolvency of insurerStatute
- Title 24-A §2902-D - Family member exclusions prohibitedStatute
- Title 24-A §2902-G - Discounted premiums for older driversStatute
- Title 24-A §2914 - Cancellation of automobile insurance policiesStatute
Last reviewed
Property and dwelling fire
Maine sources for property and dwelling fire filings (SERFF type of insurance 01.0 Property).
- 24-A M.R.S. §2303(1)(C)(7) - Five-year fire insurance experience periodStatute
- 24-A M.R.S. §2308 - Excess rates and restrictive formsStatute
- 24-A M.R.S. §2412-A - Large commercial contractsStatute
- 24-A M.R.S. §3002 - Maine standard fire insurance policyStatute
- 24-A M.R.S. §3004-A - Actual cash valueStatute
- 24-A M.R.S. §3041 and §2433 - Fire loss adjustment, date of loss and time to sueStatute
Last reviewed
Workers' compensation
Maine sources for workers' compensation filings (SERFF type of insurance 16.0 Workers Compensation).
- 24-A M.R.S. §2302(3) and §2381-B - Which regime governs a Maine workers' compensation filingStatute
- 24-A M.R.S. §2304-B - Reference filings and the loss cost multiplierStatute
- 24-A M.R.S. §2382 - Workers' compensation rate standardsStatute
- 24-A M.R.S. §2382-B and §2382-D - Uniform classification, experience rating and merit ratingStatute
- 24-A M.R.S. §2382-C and §2384-A - Prefiling of rates, rating information and formsStatute
- 24-A M.R.S. §2385, §2385-A, §2385-B and §2385-C - Deductible offers, premium disclosure and safety consultationsStatute
Last reviewed
General and other liability
Maine sources for general and other liability filings (SERFF type of insurance 17.0 Other Liability).
- Title 24-A §601 - Fee scheduleRegulation
- Maine Bureau of Insurance - Property Casualty ChecklistsDepartment guidance
- Maine Insurance Bulletin 360 - Electronic Submission of Rate and Form FilingsDepartment guidance
- Title 24-A §2304-A - Rate filingsDepartment guidance
- Title 24-A §2412 - Filing, approval of formsDepartment guidance
Last reviewed
Commercial multi-peril
Maine sources for commercial multi-peril filings (SERFF type of insurance 05.0 Commercial Multi-Peril).
- 24-A M.R.S. §2303 — The rate standard, the factor list and the authority for a package modificationStatute
- 24-A M.R.S. §2304-A — The rate filing duty and the two waiting periodsStatute
- 24-A M.R.S. §2308 — Excess rates and more restrictive formsStatute
- 24-A M.R.S. §2412-A — Large commercial contracts and what survives the exemptionStatute
- 24-A M.R.S. §§2304-B, 2321-D and 2321-E — Reference filings and advisory organizationsStatute
- 24-A M.R.S. §§3002 and 3003 — The Maine standard fire policy and the combination coverage routeStatute
Last reviewed
Medical professional liability
Maine sources for medical professional liability filings (SERFF type of insurance 11.0 Med Mal).
- Title 24-A §2303 - Making of ratesDepartment guidance
- Title 24-A §2304-A - Rate filingsDepartment guidance
- Title 24-A §2412 - Filing, approval of formsDepartment guidance
- Title 24-A §2441 - Minimum policy language simplification standardsDepartment guidance
Last reviewed
Farmowners
Maine sources for farmowners filings (SERFF type of insurance 03.0 Personal Farmowners).
- Maine Bureau of Insurance - Homeowners filing checklist (updated 5/7/2025)Department guidance
- Maine Bureau of Insurance - Personal Auto filing checklist (updated 5/7/2025)Department guidance
- Title 24-A §2303 - Making of ratesDepartment guidance
- Title 24-A §2304-A - Rate filingsDepartment guidance
- Title 24-A §2902 - Uninsured vehicle coverage; insolvency of insurerDepartment guidance
Last reviewed
Earthquake
Maine sources for earthquake filings (SERFF type of insurance 12.0 Earthquake).
- Maine Bureau of Insurance - Homeowners filing checklist (updated 5/7/2025)Department guidance
- Maine Insurance Bulletin 360 - Electronic Submission of Rate and Form FilingsDepartment guidance
- Title 24-A §2304-A - Rate filingsDepartment guidance
- Title 24-A §2412 - Filing, approval of formsDepartment guidance
- Title 24-A §601 - Fee scheduleDepartment guidance
Last reviewed
Homeowners and auto combination
Maine sources for homeowners and auto combination filings (SERFF type of insurance 30.0 Homeowner/Auto).
- Maine Bureau of Insurance - Homeowners filing checklist (updated 5/7/2025)Department guidance
- Maine Bureau of Insurance - Personal Auto filing checklist (updated 5/7/2025)Department guidance
- Title 24-A §2303 - Making of ratesDepartment guidance
- Title 24-A §2304-A - Rate filingsDepartment guidance
- Title 24-A §2902 - Uninsured vehicle coverage; insolvency of insurerDepartment guidance
Last reviewed
Product liability
Maine sources for product liability filings (SERFF type of insurance 18.0 Product Liability).
- Title 24-A §601 - Fee scheduleRegulation
- Maine Bureau of Insurance - Property Casualty ChecklistsDepartment guidance
- Maine Insurance Bulletin 360 - Electronic Submission of Rate and Form FilingsDepartment guidance
- Title 24-A §2304-A - Rate filingsDepartment guidance
- Title 24-A §2412 - Filing, approval of formsDepartment guidance
Last reviewed
Surety
Maine sources for surety filings (SERFF type of insurance 24.0 Surety).
- 24-A M.R.S. section 2302Department guidance
- 24-A M.R.S. section 2304-ADepartment guidance
- 24-A M.R.S. section 2412Department guidance
- Maine Surety Review Standards ChecklistDepartment guidance
- Title 24-A §2304-A - Rate filingsDepartment guidance
Last reviewed
Title
Maine sources for title filings (SERFF type of insurance 34.0 Title).
- Maine Insurance Bulletin 360 - Electronic Submission of Rate and Form FilingsDepartment guidance
- Title 24-A §2304-A - Rate filingsDepartment guidance
- Title 24-A §2412 - Filing, approval of formsDepartment guidance
- Title 24-A §601 - Fee scheduleDepartment guidance
Last reviewed
Not legal advice. This is a summary of public sources, last reviewed September 18, 2026. Requirements change and differ by line and filing: verify them with the Maine Bureau of Insurance before you file. All states