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Saint Moore Insurance Agency

Protection for every need. Get an insurance quote today.

Saint Moore Insurance is a family-owned independent agency with access to top-rated personal and commercial carriers. We'll help you find the best coverage at the best price for your vehicle, your home, or your business.

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Family-owned insurance agency in Redlands, CA since 1958 offering personal and commercial insurance coverage in all 50 states.

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Years of trusted coverage

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Customer satisfaction

Insurance Options

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With 500+ major carrier partners, Saint Moore Insurance helps you find the coverage you need at the best possible value.

Commercial coverage

Business Insurance

Protects your company’s assets, people, operations and future from risks and losses.

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Property Coverage

Auto & Property Insurance

Find the perfect fit for your needs with Saint Moore's expansive network for insurance carriers.

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High Risk Coverage

Specialty Insurance

Access top-rated carriers for hard-to-place risks.

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Explore Business Insurance Policies

Find professional business coverage

General Liability Insurance

Business Owner's Policy Insurance

Commercial Property Insurance

Commercial Auto Insurance

Workers Compensation Insurance

Employee Benefits Insurance

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Find home, auto, and personal insurance coverage

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We'll match you with the best insurance carriers to protect you and your assets.

Three simple steps to find the right coverage

You don't need to become an insurance expert to protect what you've built. That's what we're here for.

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Step 1. Tell us what you need to protect

Your home, your car, your business, your team. Give us a call or request a quote online. We start with what matters most to you.

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Step 2. We'll match you with the best coverage

As an independent agency, we shop dozens of carriers to find you the best coverage at the best price.

Step 3. Get protected and stay that way.

We get your coverage and we stay in your corner. Proactively reviewing your program so you're never caught off guard.

Let’s get you insured

Insurance that actually works for you.

Saint Moore is an independent agency, which means we work for you, not the carriers. We shop dozens of options to find the best coverage at the best price, for your home, your vehicle, or your business.

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Coverage where you need it

Local roots. Nationwide reach.

St. Moore is headquartered in Redlands, CA, and deeply rooted in the Inland Empire but our carrier network covers all 50 states. Whether you're a local homeowner, a regional business, or have assets across multiple states, we have the market access to protect them.

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Southern California

Headquartered in Redlands, CA

Saint Moore Insurance Agency gis headquartered in Redlands, CA, and deeply rooted in the Inland Empire but our carrier network covers all 50 states. Whether you're a local homeowner, a regional business, or have assets across multiple states, we have the market access to protect them.

Insurance benefits

As an independent agency we work for you, not the carriers
Access to 500+ top-rated personal and commercial carriers
Dedicated specialists for both personal and commercial lines
Real people who pick up the phone when you need support

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About us

Saint Moore Insurance Has Been Serving Families and Businesses since 1958

Saint Moore Insurance clients have a local team that knows their name, knows their policy, and picks up the phone. Whether you're protecting your home, your vehicle, or your business — we make sure what you've built stays protected.

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Testimonial

Real experiences from our valued customers

Honest local insurance brokers who know their stuff! Do not buy insurance through an in-house insurance agent. They don't owe you any fiduciary duty and if they give you bad advice, tough you. (Source: Yelp — expand with full text from the original review.)

Cory W.

I recommend considering Saint Moore Insurance for full-line business insurance including liability, property & workers compensation needs. Seems they excel at delivering personalized customer service. (Source: Yelp — expand with full text from the original review.)

Gregg K.

I highly recommend Saint Moore Insurance Agency. I have a very unique business that needed insurance. Amy Mulder went beyond my expectations and found a wonderful policy that was very competitive and a great fit for what we needed. (Source: Yelp — expand with full text from the original review.)

Terry M.

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Frequently asked questions

Got questions? Let’s clear them up

Vehicle Insurance

Property Insurance

Business Insurance

Personal Insurance

Specialty Insurance

Why is Saint Moore a better choice for insurance?

Because we work for you, not for an insurance company. As an independent agency, we’re not limited to one carrier’s products. We shop the market, explain your options in plain English, and stick around after the policy is signed.

Most of our clients come to us after feeling ignored, overcharged, or dropped by a big-name carrier. We take the time to actually listen, and we’ve been doing it in the Inland Empire since 1958.

What is uninsured motorist coverage?

Uninsured motorist coverage is generally designed to help protect you if you’re in an accident caused by a driver who has no insurance, or not enough to cover your damages. It’s more common than you’d think.

In California, carriers are required to offer it, though you can decline it in writing. We generally recommend keeping it, because you can control your own coverage, but you can’t control who’s in the other lane.

What is collision insurance?

Collision coverage is generally designed to help pay for damage to your own vehicle when you’re in an accident, whether you hit another car, a guardrail, or a parking lot pole. It covers your car regardless of who’s at fault.

Like comprehensive, it’s optional under California law, but lenders and leasing companies typically require it if you’re financing your vehicle.

What is comprehensive car insurance?

Comprehensive coverage is generally designed to help pay for damage to your vehicle that happens outside of a collision. Things like theft, fire, vandalism, a weather event, or hitting an animal. If your car gets stolen or a tree falls on it in a storm, comprehensive is what steps in.

It’s optional in California, but if your car has real value to you or you’re still making payments on it, it’s worth having.

Why did my auto or homeowners premium go up so much at renewal?

Premium increases can be driven by your claims history, changes in your property, your carrier's internal rate adjustments, or broader market conditions, especially in Southern California's fire-risk environment. We can review your current policy and shop the market to see if better pricing is available. In many cases, we find meaningful savings.

What happens when I need to file a claim?

We're your advocate throughout the claims process. You can call us directly, you don't have to figure it out alone. We'll help you navigate the process, communicate with the carrier on your behalf, and make sure you get what you're owed.

How do you get paid?

We're paid a commission by the carrier when we place a policy. There's no extra cost to you for using an independent agent, and in most cases, you'll pay less because we can find more competitive options than going direct to a single carrier.

What's the difference between an independent agency and a captive agent?

A captive agent (like State Farm or Allstate) can only offer policies from one company. As an independent agency, St. Moore works with 40+ carriers. Which means we shop the market on your behalf to find the best coverage at the best price for your specific situation.

Does my homeowners policy cover floods or earthquakes?

No. Standard homeowners policies exclude both flood and earthquake damage, which surprises a lot of California homeowners after a loss. Each requires a separate policy. Flood coverage is available through the National Flood Insurance Program or private carriers, and earthquake coverage through the California Earthquake Authority or private markets. If you own a home in a flood or fire zone, this is worth reviewing with a Saint Moore agent before you need it.

What types of property insurance does St. Moore offer?

Our property lines cover the building you live in and everything inside it. That includes homeowners insurance, condo insurance, renters insurance, plus flood and earthquake coverage that standard home policies leave out. Whether you own or rent, we help you find property coverage built for where you live. See all of our property insurance options.

What does homeowners insurance actually cover?

A standard homeowners policy covers four main areas:

Dwelling: the physical structure of your home
Personal property: your belongings inside the home
Liability: protection if someone is injured on your property
Additional living expenses: temporary housing if your home becomes uninhabitable

Importantly, standard policies do not cover floods or earthquakes. Those require separate policies. We'll make sure you understand exactly what's covered and where your gaps are.

Why did my auto or homeowners premium go up so much at renewal?

My homeowners insurance was cancelled or non-renewed. Can you help?

Yes, and this is one of the most common situations we help with. As an independent agency, we have access to specialty markets and carriers that specialize in hard-to-place risks, including high fire-hazard areas in Southern California. Don't wait. Call us as soon as you receive a notice so we have time to find you solid options before your coverage lapses.

How much does business insurance cost?

There is no flat rate, because your premium depends on your industry, size, revenue, location, and the specific coverages you carry. A small office and a roofing contractor face very different risks, so they pay very different premiums. The good news is that as an independent agency, Saint Moore shops your coverage across many carriers to find competitive pricing for your exact risk profile. The best way to get a real number is to request a quote and let us build it around your business. Start with our business insurance options.

What types of business insurance does St. Moore offer?

We cover businesses of every size, from a single-truck operation to a multi-location company. Common coverages include general liability, workers' compensation, commercial property, commercial auto, and a Business Owner's Policy that bundles the essentials. We also write specialized lines like professional liability and cyber. Browse our full range of business insurance options.

How often should I review my commercial coverage?

At minimum, annually, ideally before your renewal date. But any time your business changes significantly, your coverage should be reviewed:

New locations or facilities
Significant headcount changes
New equipment or fleet additions
New contracts or clients that require specific coverage limits
A change in the nature of your operations

Most of our commercial clients hear from us proactively throughout the year, not just at renewal. That's the difference between a broker who manages your account and one who just processes it.

What is an Experience Modification Rate (ExMod) and why does it matter?

Your ExMod is a number calculated from your workers' compensation claims history that directly multiplies your premium. A 1.0 is the industry average. Above 1.0 means you're paying a surcharge, in some cases tens of thousands of dollars extra per year. Below 1.0 means you're getting a credit.

The problem is that most business owners don't know what their ExMod is, how it's calculated, or what they can do about it. We help clients understand their ExMod trajectory and put strategies in place to bring it down over time, which compounds into real savings at every renewal.

What types of commercial insurance does my business need?

It depends on your industry, size, and risk profile, which is exactly why we start with a conversation, not a quote form. Most businesses need at minimum:

General Liability: protects against third-party bodily injury and property damage claims
Commercial Property: covers your building, equipment, and inventory
Workers' Compensation: required by law in California for any business with employees

Depending on your business, you may also need commercial auto, professional liability, cyber liability, or a Business Owner's Policy (BOP). We do a full exposure analysis to make sure nothing falls through the cracks.

Can I bundle my personal insurance policies?

Yes, and bundling is one of the easiest ways to save. Combining policies like home, auto, and umbrella with the same carrier often earns a multi-policy discount and makes your coverage simpler to manage. As an independent agency, Saint Moore can compare bundled options across many carriers to find the combination that gives you the best coverage at the best price. Ask us to review your personal insurance as a package.

What is valuable articles coverage?

Valuable articles coverage protects high-value items that a standard home or renters policy limits or excludes, such as jewelry, fine art, watches, collectibles, and firearms. Most home policies cap how much they will pay for these items, often well below their real value. A separate valuable articles policy insures them for their full appraised worth, frequently with no deductible. If you own anything irreplaceable, ask us about valuable articles coverage.

Why should I consider life insurance?

Life insurance is generally designed to protect the people who depend on you. If your income helps pay a mortgage, raise children, or support a partner, a policy can replace that income and keep your family financially stable if something happens to you. It can also cover final expenses and outstanding debts so loved ones are not left with the bill. A Saint Moore agent can help you find the right amount and type of life insurance for your situation.

What is personal umbrella insurance and do I need it?

Personal umbrella insurance adds a layer of liability protection on top of your home and auto policies. If you are found responsible for an accident and the costs exceed your underlying limits, the umbrella picks up where those policies stop. It is surprisingly affordable for the protection it provides, and it is worth considering if you own a home, have savings to protect, or simply want more peace of mind. Learn more about personal umbrella coverage.

What does personal insurance cover beyond home and auto?

Most people think of home and auto, but personal insurance covers a lot more of your life. It includes life insurance for your family's financial security, personal umbrella coverage for liability beyond your other policies, valuable articles coverage for jewelry and collectibles, plus identity theft, travel, and pet insurance. See all of our personal insurance options.

What does homeowners insurance actually cover?

A standard homeowners policy covers four main areas:

Dwelling: the physical structure of your home
Personal property: your belongings inside the home
Liability: protection if someone is injured on your property
Additional living expenses: temporary housing if your home becomes uninhabitable

Importantly, standard policies do not cover floods or earthquakes. Those require separate policies. We'll make sure you understand exactly what's covered and where your gaps are.

Why did my auto or homeowners premium go up so much at renewal?

My homeowners insurance was cancelled or non-renewed. Can you help?

Can St. Moore help with hard-to-place or unusual risks?

Yes. Hard-to-place risk is exactly where an independent agency earns its keep. Because we are not tied to a single carrier, we can reach specialty and surplus lines markets that direct writers cannot. Whether you have been turned down elsewhere or simply have a complex situation, we will work to find you a solution. Reach out and tell us what you are dealing with.

How do I know if my situation needs specialty coverage?

If a standard carrier has declined to cover you, or if your risk involves something most policies exclude (aircraft, large events, cargo in transit, or a business that depends on one essential person) specialty coverage is likely the answer. The simplest way to find out is to ask. A Saint Moore agent can review your situation and tell you whether a standard policy will work or whether you need a specialty market.

Why do I need specialty insurance instead of a standard policy?

Standard policies are designed for common, predictable risks. When your exposure falls outside those boundaries, a standard policy may exclude the claim entirely, leaving you unprotected. Specialty insurance is written specifically for the risk you actually have, with terms and limits matched to it. That is the difference between assuming you are covered and knowing you are.

What types of specialty insurance does St. Moore offer?

Our specialty lines include aviation insurance for aircraft owners and pilots, marine cargo insurance for goods in transit, event insurance for one-time gatherings, and key person insurance that protects a business if a critical owner or employee is lost. If your risk is unusual or hard to place, we will shop specialty carriers to find the right fit. Explore our specialty insurance options or call us to talk through your situation.

What is specialty insurance?

Specialty insurance covers risks that standard auto, home, or business policies are not built to handle. Think aviation, marine cargo, event coverage, or key person protection. These are situations where the exposure is unusual, complex, or simply outside what a typical carrier will write. As an independent agency, Saint Moore taps into specialty markets to find coverage for clients whose needs do not fit a standard policy.

The information on this website is provided for general informational purposes only and does not constitute an offer of insurance, a binder, or a guarantee of coverage. Policy availability, terms, limits, and pricing vary and are subject to underwriting and the terms of the policy actually issued. Nothing here should be relied upon as a substitute for advice from a licensed insurance professional. For coverage specific to your situation, please contact a licensed agent.