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Ed Moore & Associates, Inc.
Superior service. Quality coverage. Affordable insurance options. That’s been our goal from the start nearly 50 years ago, and it still holds true today. As a local independent insurance agency, our family-owned and operated business has been focused on protecting the needs of families, businesses, and employees since 1971.
With a friendly and helpful team committed to your needs, you can count on us to deliver the service you deserve with timely responses and advice from seasoned insurance professionals who take the time to truly understand your needs. Because when it comes to our clients, we put your best interests first every time. Contact us today for the positive insurance experience you’ve been looking for.
Our local Cary, NC office serves clients statewide, including Raleigh, NC, Apex, NC, Holly Springs, NC, Fuquay Varina, NC, Garner, NC, and Wake Forest, NC.
Proud Members of Trusted Choice
Our Core Values
For nearly half a century, Ed Moore & Associates has held to our long-standing tradition of helping our clients in every way that we can.
Family-Owned
Friendly, Helpful Service
Positive Insurance Experience
Affordable Solutions
Accommodate to Your Needs
Customized Coverage Options
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Our Insurance Specialties
Providing a variety of personal insurance, business insurance, and employee benefits solutions is what Ed Moore & Associates, Inc. does best.
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Personal Insurance
Trusted insurance solutions to protect what matters most.
Business Insurance
Coverage and risk management for companies of all sizes.
Employee Benefits
Coverage that can help attract, retain, and protect your team.
The Advantage of an Independent Agency Working for You
What makes our independent agency different?
We represent multiple insurance companies.
We are licensed insurance advisors.
We are by your side every step of the way.
We offer a wide variety of insurance solutions.
We are there for you in your time of need.
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Statewide Service
We provide specialty insurance solutions locally and throughout North Carolina statewide.
Trusted Agency
Over the years, our clients have trusted and recommended us for our quality and affordable solutions.
Friendly, Helpful Team
Our team is dedicated to helping you and being there for you when you need us most with timely responses.
Our Trusted Insurance Partners
We work with the top insurance companies in order to provide you quality and affordable coverage options.
Interactive Graphic
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Get a glimpse of the risks you face and how your insurance can protect what matters most.
Personal Property
Risk Factor
Unpredictable losses can occur to your property due to burglary, fire, water damage, storm, and more.
Solution
Personal property, such as furniture, rugs, TVs, stereos, clothes, and more may be covered under your basic insurance policy. However, items like jewelry, furs, silverware, antiques, collectibles, and other valuables should likely be insured separately.
Limits and Exclusions
Risk Factor
Some types of personal property are subject to limits of coverage under renters insurance policies. These limits vary by the type of property and by what caused the loss or damage. For example, jewelry, bicycles, collectible cards, and coins may have limited coverage or may not be covered.
Solution
Obtain a floater. A floater is coverage that specifies the item(s) covered under the policy, the limits of coverage applicable and the deductible. This is the best solution to make sure your favorite valuable item(s) are covered in the event of a loss.
Additional Living Expense
Risk Factor
If the building you live in has a loss from a covered peril under your renters insurance policy that makes your apartment or home uninhabitable, you will need to find somewhere else to live while the repairs are undertaken. This can be expensive and inconvenient.
Solution
Be sure your insurance policy includes additional living expense coverage. If you need to move out and rent another location, this coverage provides for the increase in living expenses–such as moving costs, increased food costs, and other expenses.
Liability
Risk Factor
You are responsible if you or a guest in your unit trips and falls or sustains an injury while on your property.
Solution
Be sure that you have adequate liability insurance to protect for claims made against you for bodily injury or property damage – such as a slip and fall or other allegation. Liability coverage also provides protection should you become legally liable for unintentional bodily injury or property damage anywhere in the world.
Medical Expenses
Risk Factor
You're responsible if a guest is injured while on your property and you may be required to pay their medical expenses.
Solution
Ensure your insurance policy covers this risk. In the event a person is injured in your unit, he or she can submit medical bills to your insurance company. Medical expenses are usually paid without a liability claim being filed against you, with typical limits ranging from $1,000 to $5,000.
Landlord
Risk Factor
You may not be able to rent the apartment or home if your landlord or property manager requires renters insurance and you do not have it.
Solution
Having a renters insurance policy allows you to provide a certificate of insurance to the landlord or property manager showing that you have the coverage required to rent the apartment or home.
Improvements or Betterments
Risk Factor
Any improvements or betterments that you have made to your unit are subject to damage.
Solution
Be sure to obtain coverage for improvements or betterments that you have installed in your apartment or home.
Contents Away from Home
Risk Factor
You may take your valuable property outside of your unit. For example, what happens if your laptop or golf clubs get damaged or stolen while traveling?
Solution
Be sure to add off premises theft coverage to your policy to cover your personal property while your belongings are away from your home. Auto insurance does not usually cover personal property stolen from your car.
Premises Liability
Risk Factor
You may be responsible for damage to your apartment or dwelling should you, for example, have a leaking sink or accidentally start a fire.
Solution
Be sure your policy has liability coverage that includes tenants legal liability or premises liability. Your landlord may require that you to have this type of insurance protection in place as a requirement before renting the property to you.
Renters Insurance 101
Make sure you cover the unique risks you face with renters insurance.
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Contact Ed Moore & Associates, Inc.
As an independent agency, we are here to help you find the right coverage.
Cary, NC
103 Kilmayne Drive, Suite B
Cary, NC 27511
Serving clients in North Carolina statewide, including Cary, NC, Raleigh, NC, Apex, NC, Holly Springs, NC, Fuquay Varina, NC, Garner, NC, and Wake Forest, NC.
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