Skip to main content

Whatever You Need to Protect, We’ve Been There and Done That

Our goal is to help you find insurance that’s right for you and at a competitive price. Let’s get started!

Who We AreGet a Quote

Maryland Moats Lexow Insurance

An insurance agency working for you.

MML Insurance has had a long history of nearly a century of insuring people and businesses from our local Granite City, IL office. Ken Moats, the previous owner, bought the agency in 1985 and managed it all the way until 2017. Ken has since retired to his farm and continues to trust our agency with insuring his family’s business. Christy Lexow acquired the agency in 2017 and shifted the focus to expanding the quality coverage options and service area, all while retaining the core values of personalized customer service that we’ve always had.

As an independent insurance agency, we’re able to find coverage options from multiple, top-rated insurance companies, giving you a variety of choices and, most importantly, competitive prices. We work hard to help you find the right insurance for your unique needs so you can protect what matters most to you. We also go the extra mile to be of service to you, guiding you throughout the insurance process. Learn more.

Homepage - A Wooden Sign With a Hand Painted Old-Fashioned Car, With the Words Since 1926 Written on the Grill
The Meaning Behind the Car

On the outside of our office building there is a sign with an old-fashioned car that Ken’s best friend had painted for him years back. Christy honored Ken’s legacy at the agency by totally refinishing it and adding “Moats” to the license plate.

Home Insurance

Coverage that protects your biggest asset.

Auto Insurance

Protecting you on the road.

Business Insurance

Risk management solutions for companies of all sizes.

MML Insurance - Logo Horizontal on Blue

Get Your Insurance Quote

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

  • Please do not include sensitive, private information in this area.
  • This field is for validation purposes and should be left unchanged.

Meet Christy Lexow

Founder and Owner

  • Grew up in Edwardsville, IL.
  • Graduated from Edwardsville High School and Southern Illinois University, Edwardsville.
  • Joined the family business of insurance by starting her own insurance agency in 2005, C. Lexow Insurance Advisors, Ltd.
  • Acquired Maryland Moats Insurance in 2017.
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 there for you in your time of need.

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

Business Insurance

Coverage and risk management solutions for companies of all sizes.

Trusted Choice Logo - White

Maryland Moats Lexow Insurance + Trusted Choice

We make the most of being a local independent insurance agency to meet the needs of our valued customers.

Who We Are

Our Reviews Speak for Themselves

See how we go above and beyond for our clients by reading their reviews.

Read More Reviews

Real clients. Real reviews. Real coverage.

Prompt service, returns phone calls. Competitive rates.

George E.Customer since 2023

Met our needs quickly

Sue W.Customer since 2023

Margaret C.Customer since 2020

Excellent service.

Mark R.Customer since 2023

Because my agent was able to get me insurance. When no one else could. I have referred 2 people already. Patrick was able to get them insurance also.

Theresa P.Customer since 2023

MML reviews my policy annually to ensure I am getting the best coverage at the lowest premium. This is true for both my home owners and auto insurance.

Carla S.Customer since 2017

Everything is special very good

Hadil M.Customer since 2023

I have had good service and no problems.

Tom M.Customer since 2023

We have been with these guys for many years. They are always friendly and helpful.

Robert J.Customer since 2023

Good service

Susan M.Customer since 2023

Because I love My Agent, Patrick. He has been so helpful over the years and we have become friends. He looks for ways to save me money. He always is willing to help. I have recommended to him several of my friends.

EUGENE E.Customer since 2022

MML Insurance - Logo 500

What Makes MML Insurance Different

As an independent insurance agency, we do things differently to provide insurance solutions for our valued customers.

Focused on Your Needs

From your coverage to your budget, we take the time to find the right solutions that work for you.

Solid as a Rock

We’ve been at the same location since 1925, and we are proud to serve customers locally and beyond with quality service.

Insurance Runs in the Family

For Owner Christy Lexow, insurance has ran in her family and has been a part of her life since she started her own agency in 2005.

MML Insurance - Logo 500

Manage Your Account Now

How can Maryland Moats Lexow Insurance help?

24/7 Client Center
Report a Claim

Get support in filing your claim.

Policy Change

Fine tune your policy options.

Request Certificate

Get proof of your insurance quickly.

Auto ID Card

Lose your card? Get a new one.

Pay Bill

Make payments securely online.

Policy Review

Compare your coverage with your current needs.

Interactive Graphic

Click it. Read it. Cover it.

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

Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.


The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.


Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.


Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.


Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.


Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Auto Insurance 101

Make sure you cover the unique risks you face with auto insurance.

  • Click on the hotspots.
  • Discover your risks.
  • Get the right coverage.
Not what you’re looking for?

Find even more interactive graphics for home insurance, condo insurance, renters insurance, and contractor insurance.

Get a Quote

Contact Us

Client Center

  Contact Maryland Moats Lexow Insurance

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

  • Please do not include sensitive, private information in this area.
  • This field is for validation purposes and should be left unchanged.

1 office. 2 states.

We are proud to insure people and businesses across Illinois and Missouri, with a focus on the St. Louis Metro East.

Contact Us