Does Snowmobile Insurance Cover Medical Bills?

There is nothing better than playing in the snow in Niles, OH, especially if you are the proud owner of a snowmobile. Unfortunately, there is the risk of accidents when you are cruising carefree down the powder-covered hills. When you obtain a snowmobile insurance policy from Ruddy Insurance Group, you can rest assured that you and your snowmobile are protected.

Medical Expense Coverage

If you are injured while operating your snowmobile, the medical expense coverage included in your snowmobile insurance policy will provide you with help in paying the related medical bills. Keep in mind that the amount paid is subject to your deductible and coverage limits.

Some snowmobile insurance policies will cover any passengers, while others will require you to purchase additional coverage. If you plan to have riders on your snowmobile with you, be sure to talk to your insurance agent to make certain that their medical expenses will also be covered in the event of an accident.

Bodily Injury Liability

If you are found to be legally responsible for an accident where another party was injured, bodily injury liability coverage will cover the cost of their medical expenses.

Medical bills for you, your passengers, or other involved parties can add up quickly following an accident. It is vital that you have the proper snowmobile insurance coverage in place. A team of talented agents at Ruddy Insurance Group is happy to help assess your need to find the best coverage solution. We offer several benefits for those in the Niles, OH area.

Before you hit the snow, give our experienced agents a call to learn more about the coverage options that we have available or request a quote. We are here to address any concerns and answer any questions that you have.

How can boat insurance protect your Niles boat?

For those that are in the Niles, OH area and want to be able to enjoy the warm summer months as much as possible, getting a boat can be a great idea. Those that are going to purchase a boat when they are in this region will always want to have the right insurance support in place. Your boat insurance plan can protect your boat in various ways. 

Offset Liability Risk

One of the ways that you can be covered with insurance is by reducing your liability risk. Boat owners are always going to run the risk that they could cause an accident when operating it. If you do cause damages in an accident, you will have to pay for restitution. Depending on the accident, this could be a significant amount of money. With boat insurance, you can offset this risk as you will continue to be properly covered for liability claims. 

Cover the Boat

While you will want to have liability coverage, it is also important to ensure your boat is protected. With a boat insurance plan, you will get the coverage that is needed to fully protect your boat. This can ensure you have support if your boat is damaged in an accident or stolen. With coverage, you will be able to repair or replace your boat if a loss occurs. 

If you are going to purchase a boat in the Niles, OH area, it continues to be important that you get the right coverage. The team with the Ruddy Insurance Group can offer you any guidance that is needed to choose an ideal plan. If you are going to work with the Ruddy Insurance Group, you can learn much more about your options for coverage and build a plan that will properly cover your boat. 

Who Needs Life Insurance in Niles, OH?

Life insurance isn’t the prettiest topic, but it is something that you can’t escape if you want to plan your future. Life insurance protects your loved ones and gives you the peace of mind that the people you leave behind won’t suffer financially when you are long gone.

No one likes to think about their death, but the last thing you would want is to leave your loved ones exposed when you die. So, who needs life insurance? While not everyone needs life insurance, Ruddy Insurance Group in Niles, OH, explains who needs life insurance.

If you have dependents

If you have children or a spouse, you need life insurance to ensure that they don’t lack financially when you die. Life insurance covers the gap left should something happen to you.

If you have debts

Your mortgage and car loan won’t disappear because you are dead. Instead, you will leave the financial burden with family members and cosigners. The good news is that you can invest in life insurance, and the proceeds can be used to pay off your outstanding loans.

If you are single and happy

This might surprise you, but yes, you need life insurance even if you are single. Why? You might not have a spouse or children but have other responsibilities. For instance, if you have aging parents or debts, you need life insurance to cushion your interests when you are long gone.

And that’s not all. Your singlehood isn’t for a lifetime. Down the road, your situation might change, and you better invest in life insurance now that you are young and healthy.

Buy life insurance today!

Are you ready to invest in life insurance? Getting coverage is easy. All you need to do is get in touch with Ruddy Insurance Group in Niles, OH. We will offer you a life insurance plan that suits your unique needs.

What Does Home Insurance Cover? Here’s What You Need to Know

Home insurance is a necessity for every homeowner. It is a cover taken to protect valuable possessions and assets at home from damage and theft. If you are looking for financial protection for your home, consult Ruddy Insurance Group in Niles, OH to understand the different policies available and get guidance on which one suits your needs best.

What is Home Insurance?

It is crucial to protect your home with coverage that helps with repair and replacement costs in case of damage by fire or theft. Home Insurance cover helps cover the costs when there is accidental damage to someone else’s property or when someone is injured in your home.

What Does Home Insurance Cover?

Basic home insurance policies offer coverage for damage caused by such perils as windstorms, theft, lightning strikes, fires, and hail. For damages brought about by perils like floods and earthquakes, you will need to buy additional coverages to protect against such risks.

Home insurance pays for repairs and rebuilding costs if your home is damaged. Once you claim to your insurer and the property damage results from a covered peril, you are compensated for losses. 

Different policies cover different things, but generally, home insurance covers your dwelling and any structures around like sheds. It also offers protection to personal property and additional living expenses that are caused by the peril. A home insurance cover pays for medical expenses and offers personal liability coverage as well as legal fees. 

Home insurance is a domestic package for protecting your house plus possessions, including the building, clothes, electronics, furniture, and other assets in case of theft or damage during fires. Ideally, basic home insurance offers basic coverage for;

  • Dwelling protection
  • Personal property
  • Liability protection
  • Other structures protection

Every coverage has a limit towards covered losses, and these limits are adjustable according to your specific needs. If you are looking for home insurance in Niles, OH, Ruddy Insurance Group can help you get a policy fit for your needs.

What Does Classic Car Insurance Cover?

Showing off your classic car and all the hard work and money you have put into restoring your vehicle is fun and exciting, but you also want to have the peace of mind in knowing it is protected in case something goes wrong. The agents at the Ruddy Insurance Group in Niles, OH know that the best way to protect your classic car is through obtaining a classic car insurance policy.

In the state of Ohio, the same requirements that apply to all drivers of motor vehicles include you and your classic car since you will be occasionally driving it on public streets and highways. Also in Ohio, your vehicle must be at least 25 years old to be considered a classic car and is slated to be a collector’s item that is used for you to participate in parades, car shows, tours, car club activities, exhibitions, and other similar types of events. Your classic car cannot be used for general transportation, but you can drive it to and from events.

While most vehicles depreciate in value as soon as you drive them off the dealer’s lot, classic vehicles gain value over time. If you restore and maintain your classic car properly, the amount of money it is worth will increase in value.

In addition to liability insurance, you should obtain comprehensive insurance to protect your vehicle in the event it is damaged because of a fire, vandalism natural disaster, or is stolen. You can also obtain collision insurance in case you collide with another vehicle or a stationary object.

The classic car insurance agents at the Ruddy Insurance Group in Niles, OH are ready to assist you with all of your classic car insurance needs. Please call for a quote today to get your policy started.

How renters insurance protects renters

Renters insurance is a misunderstood type of insurance. Only about 40% of renters carry this coverage and, given the inexpensive price and the coverage offered, 100% of people should have it. At Ruddy Insurance Group in Niles, OH, our team is dedicated to providing the finest in customer service and the best choices for our clients. We are happy to share the information that you may need to make this important decision.

You may be under the impression that your landlord has insurance and that it offers you protection. That is not correct. The landlord’s insurance will only protect their building, not your personal property. It is up to you to make sure that you protect yourself. 

Renters insurance has several different types of coverage. Content coverage protects all of the contents of your rental including your personal things as well as furniture and appliances. It even protects your possessions if they are in your vehicle or traveling with you. You have two choices of coverage, one gives you the value of your possessions today and the other gives you what you would need to replace them at today’s prices. 

Renters insurance also includes liability insurance. You may think that, as a renter, no one would sue you. That may be wrong. If someone is injured while at your home or by a member of your family, you could find yourself involved in legal action to recover medical bills as well as pain and suffering. 

If your rental is damaged and you can’t stay there, where would you go? With some rental insurance policies, you have "loss of use" coverage that will pay for a hotel or temporary rental for you and your family. It can also help with meals since you can’t cook in a hotel. 

Contact Ruddy Insurance Group in Niles, OH when you are ready to discuss renters insurance. 

Benefits of RV Insurance

RV ownership in Niles, OH provides you with the freedom to explore the fascinating sceneries of Ohio. When you acquire prolific RV insurance from Ruddy Insurance Group serving the region of Niles, OH and its environs, you can enjoy your travel stress-free, knowing that yourself and your asset are protected.RV insurance provides solidified protection for your travel trailer, motorhome including your horse trailer in Niles OH. Let Ruddy Insurance Group help you tailor the proper coverage for your RV needs and enjoy an affordable price at the same time. By investing in magnificent RV insurance, you will also accrue the following benefits:

Protect your asset

Owning an RV is an expensive undertaking. It’s a crucial investment, just like purchasing a home. Unluckily, perils like hail, fire and theft can pose a great risk to one of your precious investments. By acquiring prolific RV insurance from a licensed insurance company, repairs or replacement of your RV will be covered, preventing you from paying out-of-pocket.

Liability protection

Liability insurance in your RV policy can come to your rescue if you cause property damage and bodily injuries with your RV to other parties. Your RV insurance in Niles OH might also safeguard you from risks such as accident liabilities, lawsuits and claims.

Covers you and your passenger’s medical costs.

RV insurance instills you peace of mind due to guaranteed protection for you or your passengers boarding your RV during a road trip to any part of the countryside. If you have procured medical payment coverage, it caters to reasonable and necessary medical expenses for you and your passengers in case of an accident.

Protecting your belongings

With magnificent RV insurance, you can shield your possessions such as sporting gear and other possessions while you are in transit. The personal effects coverage will shield your belongings from impending perils and losses that occur while on vacation with your RV.

Do you own a motor home or a horse trailer in Niles, OH without RV insurance? Don’t compromise your safety and that of your RV. Call or visit our Ruddy Insurance Group offices to get detailed information about RV insurance matching your needs and budget.

Why Do I Need Motorcycle Insurance in Niles, OH?

Splendid and affordable protection in Niles, OH is a prerequisite initiative for all motorcycle riders. Motorcycle insurance is a bulletproof tool for those who love riding motorcycles in Niles, OH where there are magnificent sceneries to enjoy the freedom that only your bike can provide. However, it’s paramount to ensure that you have the right motorcycle insurance before you can hit the roadways. Buying motorcycle insurance from a reputable insurer is the best way to ensure your coverage is adequate to avert the financial nightmare at your disposal. Contact our agents at Ruddy Insurance Group and let our agents forge the strongest shield possible to protect the things you are working to build.

Is motorcycle insurance necessary in Niles, OH?

Owning a bike in Niles, OH, can be one of the breathtaking things in life. Regrettably, many motorcycle crashes culminate into a fatality, signaling why complete protection is crucial if you are a motorcycle owner. Outstanding motorcycle insurance provides the following benefits.

Legal requirement

 Most motorcycle owners possess insurance because it’s a requirement by law. Irrespective of immense training and licensing to own a bike, you must carry suitable motorcycle insurance before hitting the road. Ohio requires motorcycle riders to maintain bodily injury and property damage liability in their motorcycle insurance.

Liability protection

 Motorcycle insurance protects you if your bike propagates injury to another party or damages their property. It reimburses costs for medical expenses resulting from injuries inflicted after causing an accident and repair fees.

Protection of your motorcycle

Collision and comprehensive policies cater to the damage done to your property. Collision pays for the repair or replacement of your motorbike if damaged from a collision with other motorists. At the same time, comprehensive coverage conveys the same protection if your bike gets damaged by non-collision events, even if it is parked at your home.

Medical payments and personal injury protection

Medical insurance helps pay your medical expenses regardless of who propagated the accident. At the same time, personal injury protection caters to lost wages, child care, and other related costs incurred as you recover from injuries.

If you would like to buy motorcycle insurance in Niles, OH don’t look beyond Ruddy Insurance Group. Contact us today for an affordable quote

Do I Need Boat Insurance in Ohio?

If you own a boat in Niles, OH, you may wonder whether you need boat insurance since you haven’t encountered an accident during your boat ownership journey. Well, just like a car or commercial insurance plan, boat insurance is one coverage you hope you don’t use — but you need it when the unthinkable strikes. Are you unsure whether you need boat insurance? Hang on as Ruddy Insurance Group elaborates.

Is boat insurance mandatory in Ohio?

While Ohio doesn’t require boat insurance, failing to purchase watercraft insurance isn’t a risk that you should be willing to take. Boat insurance can save you on a rainy day. If you have been having second thoughts about boat insurance, here are the reasons you need this investment.

It may be required

While boat insurance isn’t required by Ohio law, your lender may insist you purchase at least the basic boat insurance throughout the year. Think of your lender as a part-owner of the boat. And just like you, they would want to protect their investment in the boat. 

For liability protection

When you are legally liable for accidents, you could face bodily injury and property damage costs from other people. And since these costs can be extremely prohibitive, you need liability insurance to protect personal assets. Liability insurance pays for medical costs, property damage, and legal costs for third-party costs.

To protect your asset

Perils like theft, fire, and accidents can cause loss or damage to your boat. And because you have put a lot in your boat, you need boat insurance to compensate you when disasters strike. While boat insurance doesn’t prevent risks, it ensures you don’t start from scratch when the unexpected occurs. 

Get peace of mind with boat insurance

Would you like to have a stress-free boating experience in Niles, OH? If yes, please invest in boat insurance from Ruddy Insurance Group. Contact us today for an affordable quote. 

When should you reevaluate your auto insurance?

Most states require drivers to carry auto insurance. You will most likely pay for your auto insurance every six months or every year. When your auto premium comes due, you will be sent a declaration page. This page includes all the important information about your policy. If you are not looking at it when it arrives, you are missing out. At Ruddy Insurance Group in Niles, OH we try to make sure our customers understand their coverage, and we work with them to make sure they have the coverage they need. 

When you get your declaration page

One of the best times to review your auto insurance is when you get your declaration page. It tells you the amount of coverage you have, the types of coverage you have, the drivers who are on your policy, and the vehicles that are covered. Take a minute to look at the figures. Your liability coverage is one of the most important coverages you have; make sure that it is adequate. Your deductible is also shown and if you are feeling that you might like to lower your premium, you may want to raise your deductible. 

When you need to add or remove a driver

In most families, people may be on the auto policy for some period of time and when they move out or grow up, they may get their own auto insurance policy. If you have children aging into drivers, you may want to take a good look at all your coverage. 

When you add or remove a car

Cars come and go on your insurance policy. When you are making changes, it is a good time to take a look at the coverage you have. Do you need to add or remove collision and comprehensive coverage? 

If you are in the market for auto insurance, give Ruddy Insurance Group in Niles, OH a call or stop by our office.