Moore Insurance
An Agent You Can Trust

Your rates depend on your driving record, age, vehicle type, location, credit score, and coverage choices. Safe drivers with good credit typically get better rates. I can help you find discounts for bundling, safe driving, and other qualifications.

If you have a car loan or lease, full coverage is typically required. For paid-off vehicles, consider the car's value. Full coverage protects your investment, while liability-only covers damages you cause to others but not your own vehicle.

Homeowners insurance covers your home's structure, personal belongings, liability protection, and additional living expenses if you're displaced. It typically protects against fire, wind, hail, theft, and vandalism, but usually excludes floods and earthquakes.

Yes, standard homeowners policies don't cover flooding. If you live in a flood-prone area or want comprehensive protection, you'll need separate flood insurance through FEMA's National Flood Insurance Program or private insurers.

Replacement cost pays to rebuild or replace your home and belongings at today's prices without deducting for depreciation. Actual cash value pays replacement cost minus depreciation, giving you less money for older items.