Mabel Ray

About Me
Insurance 101: Tips and Tricks to Choosing the Right Policy

Since my parents always added me to their auto insurance policy when I was a teenager, I never learned how to make educated insurance policy decisions. When I moved out of my parents house at the age of 25 and it was time to get my own policy, I was overwhelmed with all of the decisions I had to make. Thankfully, my parents were eager to teach me what each insurance coverage option meant and what the best choices were for me. I learned a lot about insurance during this experience, and I am eager to share what I learned with others on my new blog. I also plan to include many tips on choosing health and homeowners insurance policies, so check back often if you want to learn a little more about insurance!

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How To Keep People Safe And Secure In Your Home

22 October 2019
 Categories: Insurance, Blog

As a homeowner, visitors to your home can sue you for damages if they are convinced you are responsible for their injuries. Although your home insurance coverage can shield you from such lawsuits, it is in your best interest to prevent such injuries in your home. This is because the more claims your home generates, the higher your premiums may rise. That is why you should use these measures to keep people safe and secure in your home. Read More …

Tips To Protect Your Home While Going On An Extended Vacation

15 August 2019
 Categories: Insurance, Blog

Did you know that leaving your home for weeks or months during an extended vacation can increase the risks of something happening to your house? When you are not at home every day to check on things, the risks of problems increase, and that is why you will need to take the appropriate steps before you leave on your extended trip to make sure your house is fully protected. Here are four tips to follow for this purpose. Read More …

How To Purchase Auto Insurance After A Lapse In Coverage

15 August 2019
 Categories: Insurance, Blog

A lapse in coverage with auto insurance refers to a time period in which you do not have coverage, but you had coverage at some point in the past. A lapse in coverage could be as short as a few hours or it could be for years, but any period in which you do not have insurance coverage is considered a lapse. If you need coverage after a lapse, here are a few things to know. Read More …

The Differences Between an HO-3 Home Insurance Policy & an HO-5 Policy

31 May 2019
 Categories: Insurance, Blog

If you are interested in getting an insurance quote for homeowner's coverage, you may want to compare two different types of common homeowner's insurance policy types. These types are called HO-3 policies and HO-5 policies, and while they have some similarities, there are also some differences with them that you should know about. The basics of an HO-3 policy An HO-3 homeowner's insurance policy is the most common and basic form of home insurance coverage you can purchase when you own a house. Read More …

Why Your Driving Record Matters for Auto Insurance & How to Protect It

31 May 2019
 Categories: Insurance, Blog

While an auto insurance agency will base your premiums on many factors, one of the factors that will greatly affect your rates is your driving record. If you want to avoid paying high premiums for auto insurance, one of the best ways to do this is by protecting your driving record. Why your driving record matters to insurance companies Every factor that insurance companies use when calculating quotes is important to them as they reveal details about a person's risk level, and this includes your driving record. Read More …