Answers to your insurance questions

Many people are surprised to learn that robust coverage doesn’t always come with a high premium. Moreno Insurance Agency works on your behalf.

Uninsured or underinsured motorist coverage protects you and your passengers if you are hit by a driver who lacks sufficient insurance.

Age, credit score, vehicle type, driving record and the other licensed drivers in your household are all assessed, and each of them can affect your policy cost.

Homeowners insurance is one of the most vital policies you'll ever own, and it's essential to understand that no two policies are the same. Different insurance companies offer various levels of coverage and different conditions.

We'll perform a detailed replacement cost analysis to ensure you have enough coverage to rebuild your home if the worst were to happen.

If you need coverage for a rental property or a home that is vacant, you will need a specialty dwelling policy instead of traditional homeowners insurance. We can help you with that as well.

As a tenant, your landlord’s insurance policy covers the building itself, but it doesn’t cover your personal belongings inside.

Without renters insurance, you would have to pay to replace all of your belongings out-of-pocket if they were ever lost or damaged.

If your rental becomes uninhabitable due to a covered event, loss of use coverage can help pay for temporary housing and other living expenses while your home is being repaired.

Term Life Insurance provides coverage for a specific period of time, such as 10, 20, or 30 years. Permanent Life Insurance lasts for your entire life, as long as premiums are paid. It can also build cash value over time, which you can access while you are still living.

Funeral costs and other final expenses, debts including mortgages, car loans and credit card balances, replacing lost income to help cover daily living expenses, college tuition for children or grandchildren, and ensuring a spouse or partner can maintain their standard of living.

Every person’s life and financial situation is different. Our team takes a personalized approach, sitting down with you to understand your goals and responsibilities.

Unlike a life insurance policy, which protects against a premature death, an annuity provides protection against a long life, ensuring you have a steady paycheck for as long as you live.

An annuity is a contract between you and an insurance company. In exchange for a lump-sum payment or a series of payments, the company provides a guaranteed stream of income that begins at a later date you choose.

Immediate annuity payments begin within one year of purchase. Deferred annuity payments begin at a specified future date, allowing your money to grow tax-deferred for years or decades.

A BOP bundles essential coverages like business property, liability, and business interruption into a single, convenient policy. A Commercial Package Policy is a more customized approach, allowing you to build a policy by selecting individual coverages to fit the unique needs of your business.

Contractors and landscapers, retailers and wholesalers, restaurants and bars, professional offices, property managers and owners, general repair shops and auto body shops, apartment and condominium owners, and many more.

No two businesses are alike. That’s why it’s important to work with a qualified professional who can craft a policy with the right coverage and no gaps.

The need for Workers Compensation insurance is determined by state laws and whether you have employees. If you are a sole proprietor without employees, you may not be required to have it. If you employ other workers, your state will almost certainly require you to carry this insurance.

You may want or need this coverage if you provide professional advice or consulting in your line of work, if you hire employees or subcontractors who provide advice or consulting services, or if your state or a client contract requires it.

A BOP is typically a good fit for businesses with up to 100 employees and annual revenues of less than $5 million.

The premium is the monthly payment you make to maintain your coverage. The deductible is the amount you pay out-of-pocket for medical services before your insurance company begins to pay.

A co-pay is a fixed amount you pay for a doctor's visit or prescription after you've met your deductible.

We take the time to listen to your needs and consider factors like your family’s health history, preferred doctors, and budget.

Assuming you have met the work-related eligibility requirements, you may begin enrollment into Medicare 90 days in advance of the month you turn 65.

Medicare does not have spousal or dependent coverage. Medicare is individual. If your spouse has reached age eligibility (65), then they can enroll in Medicare of their own accord 90 days in advance of the month they turn 65.

Maybe. If the employer group has 20 eligible employees or more, and you’re going to continue to work, then yes it’s an option. But there are many things to consider.

Part A is typically in place, and a paid-up benefit when you turn 65. Part B is not, unless you have enrolled in Social Security prior to age 65. If you have not filed to receive Social Security benefits, then you need to proactively enroll in Part B benefits and begin paying for them.

Yes. However, you will not have prescription coverage, and you will face unlimited exposure to those costs due to the gaps in Original Medicare.

You usually can. It’s important to be sure your doctor accepts Medicare. Some don’t.

Yes, for up to 100 days, after a required three-day hospital stay.

No. But some Advantage plans offer limited dental coverage.

No, a retiree plan will typically wrap around Medicare primary benefits.

Part D is the Prescription Drug plan Medicare introduced in 2006.

In addition to having a huge gap in coverage, you will likely face a penalty from Medicare. A Part B penalty can be 10% of your Part B premium for each 12-month period outside of Medicare, and up to 1% of the national average of a Part D plan for each month absent Part D.

Part C is another name for Medicare Advantage. Also named MA, MSA, or MA-PD (when prescriptions are included).

Online at SSA.gov or in person at a local Social Security office.

This is a Medicare term that establishes previous coverage being at least as good as Medicare’s. Typically is in play for Part D to avoid penalty.

No.

A cancer policy provides a direct, lump-sum cash benefit upon diagnosis. You can use this money for any purpose you choose, to help cover medical expenses, lost wages, or any other out-of-pocket costs.

Supplemental insurance is designed to work alongside your primary health plan to provide coverage for services that may not be fully covered.

As you age, hearing loss can become a concern. A hearing policy can help offset the often high costs of hearing aids and related services.

The office is at 8865 Grissom Rd, San Antonio, TX 78251, open Monday to Friday, 9am to 5pm. The phone is (210) 256-8576.

Texas. The agency serves every part of Texas.

No. A quote request is not an offer of insurance and does not bind coverage. No coverage is in force until a carrier issues a policy and confirms it in writing.

Yes. The quote form asks which language you would rather we spoke, and that preference goes to the agent who calls you.

Yes, and it costs nothing. A free review of the policy you already hold. This is a policy review, not a customer review.