Blue Moon Insurance
141 North 3rd Street, Suite 3, Danville, KY 40422
View this agency's profile to learn more about their services.
Loading...
City directory
Danville households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
141 North 3rd Street, Suite 3, Danville, KY 40422
View this agency's profile to learn more about their services.
116 E Main St, Danville, KY 40422
View this agency's profile to learn more about their services.
430 W Walnut St, Danville, KY 40422
View this agency's profile to learn more about their services.
1402 Hustonville Rd, Danville, KY 40422
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Danville residents.
Complete 2025 guide to insurance in Danville, California. Compare auto rates, understand wildfire home insurance challenges, and find local agents.
General Insurance EducationComplete 2026 guide to insurance in Danville, Kentucky. Compare auto & home rates, find local agents in Boyle County, and learn state requirements.
Home InsuranceDanville home insurance guide covering earthquake risks, wildfire exposure, and high-value home coverage. Get quotes from carriers serving Contra Costa County.
Home InsuranceDanville home insurance averages $1,520-$2,676/year. Learn about Dan River flood risks, coverage for historic homes, and how to protect your property.
Home InsuranceHome insurance guide for Danville, Kentucky. Learn about storm coverage, historic home protection, costs averaging $2,400/year, and discounts.
Car InsuranceDanville drivers: California's new 30/60/15 minimums took effect in 2025. Learn what you need for I-680 commutes and why minimum coverage may not be enough.
As of January 2025, California requires $30,000 per person for bodily injury, $60,000 per accident for multiple injuries, and $15,000 for property damage. These limits doubled from the previous minimums and will increase again to $50,000/$100,000/$25,000 in 2035 to reflect rising medical costs and vehicle values.
Properties near Mt. Diablo face elevated wildfire risk, particularly in areas like Blackhawk. Insurance companies have significantly raised rates or stopped offering new policies in high-risk zones. Some East Bay homes now cost up to $10,000 annually to insure, compared to $3,000 just a few years ago.
Danville drivers pay about $135-$148 per month on average, which is lower than California's state average of $176 monthly. This works out to roughly $360-$480 in annual savings just based on location, though your individual rate depends on your driving record, age, and coverage choices.
California's Safer from Wildfires framework requires insurers to offer 5-20% discounts for fire-resistant features like ember-resistant vents, defensible space around your home, and Class A fire-resistant roofing. Installing monitored alarm systems and fire suppression devices can provide additional premium reductions.
Independent agents can shop multiple insurers on your behalf, which is especially valuable in California's tight insurance market where many carriers have stopped accepting new policies. Local Danville agents also understand specific wildfire risk zones and know which carriers are currently writing coverage in your area.
The FAIR Plan is California's insurance program of last resort for high-risk properties that can't get coverage in the standard market. It provides basic fire coverage but is expensive and offers limited protection. Consider it only if you've been denied by multiple standard insurers, typically due to high wildfire risk.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network