Doing What's Best for Our Clients Since 1971

Family-owned agency. Statewide service. Friendly, helpful team. Responsive to your needs.

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Ed Moore & Associates, Inc.

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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.

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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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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.

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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Renters

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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As an independent agency, we are here to help you find the right coverage.

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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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