Got questions? Let’s clear them up
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
