Does Boat Insurance Cover Hitting a Rock?

Several boating accidents in the Niles, OH region occur as a result of hitting underwater rocks. These obstacles can be quite hard to spot. Therefore, collisions may still occur even with careful navigation. The impact of a rock can cause significant damage. However, the upside is that such an accident could be covered if you possess the appropriate insurance.

When Is It Covered?

An insurance policy covering property on a boat typically provides coverage against accidents that involve rocks. If the collision results in relatively minor damage, your ability to file a claim could depend on your deductible. Depending on the extent of the damage, your insurance might cover the cost of repairs or even replacement of your boat. Taking photos and thoroughly documenting the accident for potential claims is advisable.

What’s Not Covered?

Damage incurred from hitting a rock will not be covered if you only have liability insurance. This form of coverage typically takes care of damages caused to other people’s property, like a boat or dock. It can also provide protection against a lawsuit in case you unintentionally injure someone, like a swimmer or another boater, while boating.

Is Towing Covered?

If your boat suffers significant damage due to a collision with a large rock, it might need to be towed on the water to a marina or a repair shop. The coverage for this service is dependent on your specific insurance carrier and policy provisions. Some policies include towing, while others offer it as an optional extra.

Ruddy Insurance Group offers reliable boat insurance in the Niles, OH region. Our cordial staff is always ready to assist with your queries and help you choose a policy that includes coverage for rock accidents. As an independent agency, we provide varied coverage options from various carriers. For more information or to get a quote today, please call 330-652-0202 to get in touch with the Ruddy Insurance Group.

Drive Safe, Drive Insured: Navigating Auto Insurance Options in Niles, OH

Accidents can happen unexpectedly, and when they do, the financial fallout can be devastating for people who drive without adequate auto insurance. Having minimum state liability insurance is mandatory for all drivers on Ohio roads. 

Looking for ways to drive safer in Ohio? Ruddy Insurance Group in Niles, OH understands local area drivers’ unique needs and concerns.

We put together this guide to help you navigate your insurance options and get adequate coverage to safeguard your four-wheeled investments. 

Navigating Auto Insurance Options in Niles, OH


Liability insurance policies meet state minimum requirements and offer basic financial protections for at-fault drivers in an accident. A liability insurance policy will not cover the cost of damage to your automobile or help you replace it in the event of a total loss. 

Local residents who choose not to extend their coverage limits may find themselves in a precarious situation. Without an auto insurance policy that includes comprehensive coverage and collision coverage, they could face significant financial strain in the aftermath of an automobile accident. 

Comprehensive and Collision

Savvy local drivers understand that investing in comprehensive auto insurance is the best way to protect their automobiles, themselves, and their passengers from collision and non-collision-related events that can lead to personal injuries, property damages, legal claims, and the total loss of their vehicles. 

Contact Ruddy Insurance Group in Niles, OH

Don’t wait until it’s too late to boost your auto protections. Talk to a knowledgeable local insurance agent near you to learn about your best options for coverage and get an automobile quote based on your individual driving history. 

Contact a licensed and friendly insurance agent at Ruddy Insurance Group in Niles, Ohio, to start an upgraded policy today! 

How Whole Life Insurance Works

Life insurance is critical to any financial plan, providing security and peace of mind for you and your loved ones. Two main types of life insurance dominate the market: term life insurance and whole life insurance. Here, let’s explore whole life insurance in detail and discuss how it can be beneficial for you. At Ruddy Insurance Group in Niles, OH, we’re dedicated to helping you find the right insurance coverage that fits your unique needs.

Whole Life Insurance: Lifelong Protection for Your Loved Ones

As the name suggests, the selling point of whole life insurance is its lifetime coverage. Unlike term life policies that come with an expiration date, whole life insurance remains valid as long as you continue paying the premiums. This permanence of protection offers a sense of calm and reassurance, knowing that regardless of how old you get, your policy will be there to cover you.

Benefitting From Your Policy: The Cash Value Advantage

Whole life insurance comes with an additional feature not typically seen in term life policies – the ability to accumulate cash value over time. This accumulated cash value is a money reserve you can borrow against in a financial crisis. Having access to this emergency fund is a perk that many policyholders appreciate. The specific cash value that becomes available can depend on various factors but generally increases over time with the policy.

Are You Ready For Whole Life Coverage?

If whole life insurance seems the perfect fit for your insurance needs, do not hesitate to reach out. Contact us at Ruddy Insurance Group in Niles, OH for more information. We are here to aid you in securing a policy that genuinely provides for your loved ones’ future.

Protecting More than Your Home

When it comes to home insurance, it is often about more than protecting your home, which is also why homeowners from in and around Niles, OH, turn to the trusted and professional team at the Ruddy Insurance Group for all their home insurance needs. For your home, regardless of what that looks like, home insurance is the first line of defense for protecting what you care about.

Home rarely looks the same for any two people. For some homeowners, the home looks like that sprawling five-bedroom, two-bath attached garage Victorian-style house with an in-ground swimming pool in the backyard. While others call home that cute little two-bedroom, one-bath house on the corner lot, complete with a white picket fence. For every homeowner, however, more often than not, home is where the heart is.

Home Insurance is About More Than Protecting Your Home

For some people, their home is their greatest investment, and it offers them the pride of being a homeowner. For others, their home has been in their family for generations, and it is the same home that their parents and their parents parents were raised in. Home insurance protects these types of bonds, connections, and meanings because, for so many of us, home is less about what that house we call home looks like but what it means to us that matters most.

Yes, home insurance can alleviate the expense of roof repairs when that Great Lakes storm-maker takes a bite out of your roof. Yes, home insurance can help with fire and flood damage and much more, but it isn’t what home insurance does; what it protects makes a difference.

If you live in or around Niles, OH, and have questions about home insurance, we can help. Contact us to learn more about home insurance solutions and protect the place you call home today with the professional and caring agents at the Ruddy Insurance Group.

Examine The Insurance Coverage You Need For Your Snowmobile

Securing Your Snowmobile with Proper Insurance Coverage

If you’re preparing to make use of your snowmobile this winter, don’t overlook the importance of adequate insurance coverage. The guidelines detailed here can help. For comprehensive assistance regarding your insurance policy, contact a representative at Ruddy Insurance Group in Niles, OH.

Understanding Recreational Insurance

Your snowmobile requires coverage under a recreational insurance policy. This policy type offers protection for different types of recreational equipment, including snowmobiles, all-terrain vehicles, and RVs.

Protecting Against Financial Loss

A recreational insurance policy safeguards against financial losses, providing compensation in case your snowmobile is stolen or damaged. Determining the necessary coverage amount is crucial. This information is vital when acquiring an insurance policy if you store your snowmobile in a covered structure like a storage shed.

Covering Liability Expenses

Recreational insurance provides coverage for liability in the event of an accident. This policy covers damage to another person’s property if you are at fault. Furthermore, should an injury occur to a third party in an accident where you are to blame, your insurance coverage takes responsibility for the medical expenses. Your level of use and the areas where you operate your snowmobile are factors that influence the amount of liability protection you need.

Contacting Ruddy Insurance Group

If you need assistance selecting the right insurance products for your snowmobile, contact an agent at Ruddy Insurance Group. Agents serving Niles, OH are ready to help you tailor an insurance plan that adequately covers your needs.

Ohio Boaters: Sail into Security with Comprehensive Boat Insurance

If you are a Niles, OH, area boater wondering how to stay safe and protect your floating investment from common mishaps while boating on local waterways – this guide is for you. 

Ruddy Insurance Group provides tips to help local boaters sail into long-term security with comprehensive boat insurance coverage. 

Sail Into Security – Guide for Niles, OH Boaters

Owning and operating a boat comes with a unique set of risks, including choppy waters, unpredictable weather patterns, and even collisions in crowded waters. Trusted insurance professionals can help you craft a comprehensive solution to protect your beloved vessel. 

The following are examples of boat insurance coverage that protects local boaters and recreation enthusiasts in Ohio waters. 

Liability Coverage for Boaters

Boaters who get liability insurance gain protections for covering medical expenses, legal fees, and damages they would typically pay out of pocket in an at-fault accident with another boater. 

Physical Damage Coverage for Mariners

Ohio mariners can get comprehensive and collision coverages that help offset the cost of boating repairs resulting from boating accidents and non-collision-covered events like boating theft and vandalism. 

Additional Options for Ohio Boaters 

While not all boating insurance options will be available to all boaters based on individual factors like location, vehicle type, and boating history, the following are examples of common boating insurance coverage available for Ohio boaters. 

  • Fishing Equipment Coverage
  • Medical Payments Coverage
  • Personal Property Coverage
  • Towing and Assistance
  • Uninsured and Underinsured Boat Insurance Coverage
  • Wreck Removal Coverage

Ohio Boat Insurance Quote 

Don’t wait until the unexpected happens and you find yourself drowning in out-of-pocket fees or expenses. Contact a licensed boating insurance agent at Ruddy Insurance Group and get a free quote today! 

Insuring Your Childrens Future Through Life Insurance

Some people will dismiss life insurance, stating, "I won’t be here anyway." They may say it in jest or lightheartedly, but the point is being missed. Life insurance is not for the insured. Sure, it covers the insured’s life and may provide them with peace of mind, but life insurance is really for the insured’s family, including children.

Here’s how life insurance can secure your children’s future.

It Can Assure Proper Daycare

Sufficient life insurance can ensure that there are financial resources to take care of children while the remaining parent is at work.

It Can Preserve the Quality of Life-changing

A significant amount of life insurance can help maintain the lifestyle to which the children may have become used. This may mean not having to move, providing money for food and clothing, and even extra activities the children may wish to participate in.

Education and College

A significant reason to apply for life insurance is to ensure children will be able to afford college financially. This can be a considerable expense, especially when more than one child may be involved.

When you consider final expenses, debts, and the above, it is easy to see why many insureds select a large amount of life insurance coverage.

The best time to purchase life insurance is when you are young and healthy. For families in the Niles, OH, area, Ruddy Insurance Group can help. We will discuss your goals for life insurance and help you determine a sufficient amount of coverage. We can show you options and rates. The final choice, of course, is yours. Contact Ruddy Insurance Group to get started today. We proudly serve the Niles, OH, area with exceptional service and quality insurance products.

How does remodeling affect home insurance?

Remodeling a home can be a rewarding experience, but it comes with risks during the remodeling process and often increases your home’s value. Both issues have implications for your home insurance, so it is essential that you adequately protect your investment during and after a remodeling project. At the Ruddy Insurance Group, serving the Niles, OH area, our team will work with you to structure home insurance coverage that protects your family during and after the project.

The Impact of Remodeling and Renovating

Most home insurance policies include some protection during the remodeling process. Nevertheless, we recommend (and some policies require) that you notify your insurance agent about your plans before the work begins. Due to potential hazards and injuries, modifying your home insurance coverage or acquiring an umbrella policy may be worthwhile.

Once completed, the changes often increase your home’s size, enhance its fixtures and furnishings, or add amenities that enhance your home’s value and require coverage adjustments. Some additions, such as a pool or hot tub, increase your risk and must be reflected in our policy.

On the other hand, renovations that modernize your home’s infrastructure can reduce your risk. Rewiring an old house, installing new heating, ventilation, and air conditioning systems, or a new roof can reduce your risk and insurance premiums.

So, regardless of your planned changes, we recommend discussing them with your agent in advance to understand how they affect your home insurance coverage.

Working with Ruddy Insurance Group.

The family home is often among our most significant investments, so protecting that investment against unforeseen events is critical. The Ruddy Insurance Group proudly serves the Niles, OH area, and we are here to help you with that process. Call or stop by today to discuss your home insurance options.

What Does Classic Car Insurance Cover?

Our agents at the Ruddy Insurance Group serving the Niles, OH area are ready to help you obtain the proper amount of insurance coverage for your classic car.

Classic car insurance in Ohio, like in many other states, provides specialized coverage tailored to the specific needs you and other classic car owners may have. A classic car insurance policy is different from a standard auto insurance policy since classic cars have a unique value, and they are used and driven differently than regular vehicles.

What Does Classic Car Insurance Cover?

Similar to regular auto insurance, classic car insurance provides you with auto liability coverage as well as comprehensive and collision for the times that you are driving your vehicle out on the streets and highways. It is the amount of insurance that is different from regular vehicles because most vehicles depreciate as soon as you drive them off the car lot. This is not true of classic cars since they actually increase in value over time. If a natural disaster, fire, or vandalism occurs and destroys your classic car or is just stolen, you will receive an amount for your classic car that was predetermined and agreed upon when you created your policy.

Keep in mind that classic car insurance dictates a specific mileage restriction. In the state of Ohio, classic car insurance policies will limit the annual mileage that you can drive your classic car. This is due to the fact that your classic car should only be used for things like weekend cruises and car shows versus daily commuting or running to the grocery store.

Contact Ruddy Insurance Group

To have peace of mind when protecting your classic car with the correct insurance policy, call our classic car insurance agents at the Ruddy Insurance Group serving the Niles, OH area today!

Why Every Renter Needs Renter’s Insurance

When you’re a renter, there’s no need for you to have insurance on the home you live in. The owner of the building must have this insurance. However, other things need to be protected, and that’s where renter’s insurance comes in. Virtually all landlords will require you to have renter’s insurance when you sign your lease. If you rent and don’t have this insurance, call us at Ruddy Insurance Group in Niles, OH.

Protection for Belongings

You don’t own the home, but you do own everything inside it. When you have renter’s insurance, it protects you against losing your things. It’s essential to have this insurance in case a damaging event should happen that ruins your things. With this coverage, you know you’ll be able to replace everything later just in case the worst happens. Trying to pay to replace everything on your own could be so expensive as to be unaffordable. With this coverage, you have peace of mind that your belongings are protected. 

Liability Protection

Your renter’s insurance also protects you against liability. If someone came to your home and had an accident there and were injured, they would have a lot of medical bills that you would owe. There may even be more expenses like lost wages and legal bills. Without liability protection, all of that would be yours to pay. With renter’s insurance, the policy can pay all the bills you’re liable for. This is coverage that many people don’t think about very often, but it’s beneficial to have it in place just in case of an accident. 

Get Renter’s Insurance

To get a renter’s policy for your protection, call us today at Ruddy Insurance Group in Niles, OH to learn more.