What Able Insurance Is

Able Insurance is a specialty insurance company that focuses on coverage for people with disabilities and chronic health conditions. Unlike standard insurers, Able works with applicants who have pre-existing conditions and may have been turned down elsewhere. The company offers auto insurance, homeowners insurance, and renters insurance through a network of licensed agents rather than direct online quotes.

Able does not underwrite policies itself. Instead, it partners with established insurance carriers to place your coverage. This means you get a policy from a real insurance company, but Able's agents handle the process and help you find a carrier willing to take on your specific situation. The process is slower than an online quote tool, but it's designed for people whose health history or disability makes standard underwriting difficult.

Key Takeaways

  • Able Insurance works through licensed agents who match you with carriers that accept applicants with disabilities and pre-existing conditions.
  • You can request quotes for auto, homeowners, or renters insurance, but you will need to speak with an agent rather than getting an when ready online quote.
  • Able does not set the rates or coverage terms — the insurance company you are matched with does, so prices vary based on your situation and location.
  • The underwriting process takes longer than standard online quotes because agents review your health history and work to find a willing carrier.

How to Get a Quote from Able Insurance

Contact Able Insurance through their website or phone line to request a quote. You will speak with or be contacted by a licensed agent who will ask about your coverage needs, your disability or health condition, your location, and your driving or claims history (depending on the type of insurance). The agent will not give you a quote on the spot.

Instead, the agent submits your information to insurance carriers in their network. Those carriers review your process and decide whether to offer coverage and at what rate. This process typically takes several business days to a week. Once carriers respond, the agent will contact you with the quotes they received and explain the differences between them.

You are not obligated to accept any quote. You can compare the options the agent presents, ask questions about coverage limits and deductibles, and decline if the price or terms do not work for you. If you accept, the agent handles the paperwork and your policy begins on the date you and the carrier agree to.

Types of Insurance Able Offers

Auto insurance through Able covers liability (damage you cause to others), collision (damage to your car), and comprehensive (theft, weather, vandalism). Able works with applicants who have accidents, tickets, or disability-related concerns on their driving record. Rates depend on your location, driving history, the vehicle you drive, and the coverage limits you choose.

Homeowners insurance covers your house structure, personal property inside it, liability if someone is injured on your property, and additional living expenses if you have to leave due to a covered loss. Renters insurance covers your belongings and liability but not the building itself (your landlord's insurance covers that). Both are available through Able's network, though availability varies by state.

Able does not offer health insurance, life insurance, or disability income insurance. If you need those types of coverage, you will need to contact other insurers or explore government programs like Medicare, Medicaid, or Social Security Disability Insurance.

What Information You Will Need to Provide

For any type of insurance, be ready to share your name, address, phone number, and email. For auto insurance, you will need your driver's license number, vehicle identification number (VIN), current coverage information if you have it, and details about any accidents or violations in the past three to five years.

For homeowners or renters insurance, you will need your address, information about the property (year built, square footage, construction type for homeowners), and details about any previous claims. The agent may also ask about your disability or health condition to understand any special needs — for example, if you use mobility equipment or have accessibility modifications that affect the property's value or risk profile.

You do not have to disclose your disability or health condition if you do not want to, but doing so can help the agent find carriers more likely to work with your situation. Carriers cannot legally deny coverage based solely on disability, but they can use health information to assess risk in some cases.

How Able Insurance Differs from Standard Online Quotes

Standard insurance websites use automated underwriting: you enter information, the system scores your risk when ready, and you see a quote within minutes. Able's process is manual and slower because agents are working to place you with a carrier that will accept your process. This takes more time but opens doors that automated systems often close.

Able also does not compete on price the way online brokers do. You are not comparing dozens of quotes side by side. Instead, you get quotes from the carriers the agent's network includes — usually three to five options. This is narrower, but the carriers in Able's network are specifically willing to work with people who have disabilities and complex health histories.

If you have a clean driving record, no health complications, and a standard home or rental situation, an online quote tool will likely be faster and cheaper. If you have been turned down by standard insurers or know your situation is complex, Able's agent-based approach may be worth the wait.

Costs and What Affects Your Rate

Able Insurance does not set rates — the insurance company you are matched with does. Your premium depends on the same factors any insurer uses: your location, age, driving or claims history, the coverage limits you choose, and your deductible. For homeowners or renters insurance, it also depends on the property's location, age, and condition.

Disability itself does not increase your rate. However, if your disability affects your driving ability or if you have made claims related to a health condition (for homeowners insurance), that history may be factored in. The agent can explain how your specific situation affects the quotes you receive.

You can lower your premium by choosing a higher deductible (you pay more out of pocket if you file a claim, but your monthly payment is lower), bundling multiple types of insurance with the same carrier, or asking about discounts for safety features (auto) or home security systems (homeowners).

When Able Insurance Makes Sense

Able is most useful if you have been denied coverage by standard insurers, have a significant disability or chronic condition that makes you nervous about standard underwriting, or have a complex situation (multiple accidents, health-related claims, accessibility modifications) that you think an automated system will reject.

Able is less useful if you have a straightforward situation and want an when ready quote. In that case, getting quotes directly from major carriers or using an online comparison tool will be faster and likely cheaper. You can always try an online quote first; if you are turned down or the quotes are too high, then contact Able.

Able is not a backup for people who cannot afford insurance. If cost is your main barrier, look into state minimum coverage requirements, low-income information programs in your state, or payment plans that standard carriers offer. Able's quotes will not be cheaper than what you find online if you are insurable through standard channels.

Frequently Asked Questions

Does Able Insurance may provide I will get coverage?

No. Able connects you with carriers that are more willing to work with people who have disabilities, but each carrier still decides whether to offer coverage. If all the carriers in Able's network decline, the agent will tell you that and may suggest alternatives like your state's insurer of last resort program.

How long does it take to get a quote from Able?

Typically three to seven business days. The agent collects your information, submits it to carriers, waits for their responses, and then contacts you with quotes. This is much slower than an online quote tool, which is the trade-off for working with carriers that accept more complex applications.

Can I switch to Able Insurance if I already have a policy elsewhere?

Yes. You can request a quote from Able at any time, even if you are currently insured. If you find better coverage or rates, you can cancel your current policy and start the new one. Check your current policy for any cancellation fees or penalties before you switch.

What if I am in a state where Able does not operate?

Able's network varies by state. If you are in a state where Able does not work, contact your state's insurance commissioner's office or your state's insurer of last resort program. Both can point you toward carriers that serve high-risk or hard-to-place applicants in your area.

Does Able charge a fee for getting a quote?

No. Getting a quote from Able is free. You only pay if you accept a quote and the policy goes into effect. At that point, you pay the insurance company directly, not Able.