Hi Anne,

The following should work..

Sub InsRowCopyFormulas()
 Dim AcR As Long, cLL As Range
 AcR = ActiveCell.Row
 Rows(AcR).Insert
 Rows(AcR - 1).Copy Rows(AcR)
 For Each cLL In Intersect(Rows(AcR), ActiveSheet.UsedRange)
  If Left(cLL.FormulaR1C1, 1) <> "=" Then cLL.ClearContents
 Next
End Sub