Patrons Oxford Insurance

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Your Trusted Insurance Partner in Portland, ME

Patrons Oxford Insurance has been a trusted provider of property and casualty insurance solutions since 1877. As a Maine-based company, we combine over 145 years of industry experience with the expertise of our employees and independent agents to deliver personalized insurance products tailored to meet evolving customer needs. Our commitment to innovation ensures policyholders receive responsive coverage options and efficient service through a distribution network of more than 250 independent agents. We prioritize community impact by creating opportunities for Maine residents while maintaining financial stability and growth.

Our comprehensive offerings include specialized programs for homeowners, mobile homeowners, auto owners, and businesses, with enhanced protections through endorsements and umbrella policies. Through strategic partnerships and a focus on customer-centric solutions, we strive to be the preferred insurance provider for individuals and businesses seeking reliable protection and exceptional service.

Services

Auto Insurance Home Insurance Business Insurance Cyber Liability Mobile Homeowners Personal Umbrella Home Business Endorsement

Highlights and features

We offer over 145 years of insurance expertise serving Maine communities
Our independent agent network provides personalized policy solutions
Specialized coverage options include home business endorsements and cyber liability
We maintain A.M. Best financial strength ratings for policyholder security
Customizable payment plans and multi-policy discount programs available

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Services

Homeowners Insurance

Protect your primary residence with customizable policies covering dwelling, personal property, liability, and loss of use. Our program includes inflation guard protection, higher deductible options, and specialized endorsements like sinkhole collapse coverage. Policyholders benefit from multi-policy discounts and access to over 250 independent agents for personalized service.

Business Insurance

Comprehensive protection for commercial properties and operations through our Businessowners Policy (BOP). Includes equipment breakdown coverage, employment practices liability, and cyber liability options. Presidential Security Endorsement adds 40+ enhanced coverages with up to $250,000 bucket limits for qualifying businesses in Maine and Massachusetts.

Cyber Liability

Critical coverage for small businesses facing cyber threats, offering limits from $50,000 to $1,000,000. Protects against data breaches, privacy violations, and security incidents with claims-made basis coverage. Available as an endorsement to our Businessowners Policy with comprehensive claims handling support.

Mobile Homeowners

Specialized insurance for mobile homes covering structure, personal property, and liability. Features include continuous masonry foundation discounts, older home qualification options, and deductible credits up to 35%. Available with various payment plans through local independent agents.

Personal Umbrella

Supplemental liability protection with limits from $1 to $5 million. Covers catastrophic losses beyond standard auto or homeowners policies, protecting assets against lawsuits. Available with coordinated underlying coverage through our network of independent insurance professionals.

Questions

What types of insurance does Patrons Oxford offer?

We provide homeowners, auto, business, mobile homeowners, personal umbrella, and cyber liability insurance with specialized endorsements.

How can I file a claim?

Report claims 24/7 through our dedicated line at 800-542-7032 or contact your independent agent for assistance.

Are there discounts available?

Yes, we offer multi-policy discounts, protective device credits, and payment plan options to help reduce premiums.

Do you cover home-based businesses?

Qualified home businesses receive coverage through our Home Business Endorsement program for eligible professions.

Can I pay my bill online?

Yes, access our secure payment portal through the 'Pay Your Bill' section on our website.

What areas do you serve?

Primarily Maine and Massachusetts, with policies available through our network of 250+ independent agents.

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Reviews (6)

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Rick Ness

Jan 30, 2020 Report

I have been insured with Patrons for a number of years, in that time I had 2 claims both of which were handled quickly and professionally. The adjuster was very pleasant and always got back to me as promised, I was very pleased. Even with my claims the premiums are competitive and automatic payments saved me money and it is very convenient. My local agent Marsh Agency is always available to answer my questions, they provide great service and I like knowing that my money stays in the local, community.

Katie Nordfors

Dec 03, 2019 Report

Absolute terrible company and business practices! I was in an accident (not at fault) and a Patrons insurer was at fault. I was put through the ringer because of them. FIVE WEEKS without my car because of them, even though the police report was incredibly clear who was at fault. The adjuster was unprofessional and in simple terms, an absolute witch. When I first spoke with her she was rude and unprofessional and of course I was rude back and frustrated because of this situation.

I believe she had a personal vendetta against me because of that. She dragged her feet and took FIVE WEEKS to claim liability (again, police report was INCREDIBLY clear who was at fault). It wasn't until I complained about them to the Maine Dept of Insurance and threatened legal action that she finally claimed liability. What a coincidence that after 5 weeks of dragging her feet, that she "made a decision" 2 days after I threatened legal action. I pity anyone who has them as insurance, but mostly anyone who has to deal with them in a claim.

IlPadre

Oct 22, 2019 Report

After their agent (by their own admission) made an absolute mess of my home insurance policy I called patrons to advise them of the issue and seek another agent. Although their receptionist was very professional and promised me a call back from their underwriting department that department decided they would not call me back and instead had the agent who messed things up in the first place call me back. Since they weren't willing to talk to me I decided $100 in saving wasn't worth it. I took my business elsewhere and suggest you do too. Unacceptable unprofessional customer service!

Crystal Johnson

Jun 21, 2019 Report

I am so unhappy and upset with this company! First told one amount so I agreed becuz it was gonna save me money! Then pull money out random times and then set the payment for feb to come out today despite saying I won't have the money til Friday, they don't care at all! I have been charged a 25$ fee now and my acct is negative. on top of this the amounts changed and didn't contact me regarding totals at all. And NO I'm not saving money and wish I never switch! Worst company ever!

David Clarke

Apr 12, 2019 Report

Absolutely the worst experience with a home insurance company. After researching other pricing I found they charged me 100% higher for coverage than another national (Allstate)competitor. I own 10 properties and they will NEVER BE CONSIDERED AGAIN. SHOP AROUND PEOPLE.

Katty Ca

Feb 01, 2019 Report

I got switched with this company and had the worst experience. Poor customer service and will cancel you after your first claim. I had to shop around for, insurance companies and it in a matter of weeks because they didn't like my claim about my home. I was just inquiring about an issue in, my home so they cancel me. And made it hard, for me to find a new insurer company. Terrible company never call to do a claim, they will give you a hard time.