Michelle Raber

Welcome to Michelle Raber State Farm – Here for Your Life in Maine & New Hampshire

Whether you’re settling into your first apartment or upgrading your rental, August is a ideal time to review your protection. Safeguarding your possessions against accidental damage or loss brings confidence to your everyday living. Let’s review your setup before the autumn rush begins.

Why Choose Us?

Local Team, Modern Convenience With over 33 years of experience, Michelle and her team combine deep local knowledge with flexible, modern service options. As a trusted insurance agency, you can request a quote for Auto Insurance, Home Insurance, Renters Insurance, or Business Insurance online, by phone, or in person—whatever is most convenient for you.

Flexible Communication Work non‐traditional hours or prefer email or virtual meetings? We make it easy to review policies, update coverage, or ask questions in a way that fits your schedule.

Comprehensive Coverage We offer Auto Insurance, including car insurance coverage options, Motorcycle Insurance, Boat Insurance, and Recreational Vehicle Insurance for your Maine adventures, along with Condo Insurance, Renters Insurance, and Homeowners Insurance to help protect what’s important to you. We also provide Life Insurance, Business Insurance, and Pet Insurance for every stage of life—including your four‐legged family members.

Relocating to Maine? We enjoy helping new residents settle into Scarborough, Portland, South Portland, Cape Elizabeth, Saco, Biddeford, and throughout Cumberland County and York County. Our team is here to help make your move as smooth as possible

Community‐Focused We’re passionate about supporting our neighbors—volunteering in local schools and partnering with area businesses to strengthen our community. Our team regularly supports local organizations, including Scarborough Community Services, because when you choose Michelle Raber State Farm, you’re choosing a local insurance agency that cares about the community we serve.

About Michelle Raber

Michelle has been a State Farm agent since 2003 and holds the ChFC, CLU, and LUTCF designations. Her commitment to ongoing education allows her to provide up‐to‐date guidance whether you’re buying your first home, starting a business, or preparing for what’s next.

Visit Us Your Way

· Two convenient offices in Scarborough, ME, both dog‐friendly and wheelchair accessible.

· Appointments available in‐office, at your home, by phone, or virtually.

· Maine Notary Public services available by appointment.

Recognition & Service

We’re proud to be a multi‐time Ambassador Travel and Champions Circle Qualifier, reflecting our long‐standing commitment to service, relationships, and our customers.

We’re here to make insurance straightforward and personal. Get started online, give us a call, or stop by—we look forward to helping you protect what matters most!

Frequently Asked Questions (FAQ)

Q: How do I get car insurance quotes?

A: Getting a car insurance quote is easier than you might think. You can start online, give our office a call, or stop by to talk through your options. We'll help walk you through coverage choices and help you find something that fits your needs. Looking for coverage? Talk with Michelle about your options in Scarborough.

Q: How quickly can car insurance coverage start?

A: In some cases, car insurance coverage can begin the same day you purchase a policy. The timing may vary depending on your situation. We can help you get coverage quickly when you need it. For personalized coverage in Scarborough, ME, reach out to Michelle.

Q: What coverage is required when leasing a car?

A: Leased cars typically require liability, comprehensive, and collision coverage, and the leasing company may need to be listed on your policy. Michelle is proud to serve the Scarborough community.

Q: What does renters insurance cover?

A: Renters insurance can help protect the things you've worked hard for, like your furniture, clothing, and electronics. It may also help with liability if someone is injured in your home, and even assist with temporary living expenses if you have to move out due to a covered loss. Serving Scarborough and the surrounding area, Michelle can help answer your questions.

Q: What happens when you have life insurance in place?

A: Life insurance provides a payout to your beneficiaries if you pass away while the policy is active, helping offer financial protection. Have questions? Michelle in Scarborough can walk you through your options.

Q: Is homeowners insurance required?

A: Whether homeowners insurance is required depends on your situation and may vary by state. If you have home financing, your lender will likely require it. Even if it's not required, many people choose to have coverage to help protect their home and everything that comes with it. Michelle works with Scarborough residents to find coverage that fits.