How renters insurance protects renters

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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

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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?

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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?

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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?

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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. 

5 Benefits Of Whole Life Insurance Policies

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Ruddy Insurance Group provides coverage to the Niles OH community. Our primary goal is to make sure that our clients are protected in any situation. We are passionate about helping people. We will analyze your personal situation and help you find the right policy for your individual needs.

5 Benefits Of Whole Life Insurance Policies

While you may be enjoying a comfortable life in Niles, OH, you should consider the future. Take time to think about the future of your assets and how you’d like things to be handled when you’re gone. Consider the benefits of life insurance. Life insurance covers your assets and helps make sure that your loved ones have a foundation to lean on after you have passed away. One of the more common policies is whole life insurance. Whole life insurance provides coverage throughout your entire lifetime. Here is a look at the 5 benefits of whole life insurance.

Fixed Coverage

Whole life policies provide fixed coverage. This should give you peace of mind as you age. You have the security that things will be in place.

Your Assets Are Protected

Your assets are protected under the terms of the policy. Whole life coverage also allows your loved ones to receive access to your assets in a timely manner.

Potential Growth

Whole life insurance allows your assets to accumulate growth over the course of the policy. This can be beneficial in a few years.

Help With The Burial Process

One of the most uncomfortable things regarding your passing is the burial process. Your loved ones can use the policy to help cover the burial process.

Comfortable Lifestyle

Whole life insurance can help your loved ones enjoy some comfort as they deal with your passing. Your assets can be used to help operate a business or send your children to college.

Ruddy Insurance Group Will Protect Your Assets

Visit our website to learn more information about life insurance.

Who needs home insurance in Niles?

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In the Niles, OH area, owning a home can be a preferred form of housing. Those that are property owners will benefit from having a stable place to live and will also likely see their home values increase as the years go by. If you do buy a property when you are here, you likely need to get insurance for it. There are situations when someone will need to get a home insurance plan in place.

When Trying to Protect Home

A common situation when someone will need to get home insurance in the Niles area is when they want to protect their property. With a home insurance plan, you will get the coverage that can be used to repair your property if it is damaged by a storm, fire, vandalism, or other situations that results in a loss. In many cases, this form of coverage is also required by a mortgage lender as it ensures their collateral is protected.

When Looking for Liability Coverage

You will also want to get a home insurance plan when you want to get liability protection. Property owners in Ohio should always take their liability risks seriously. Those that are property owners will take on liability risk on a daily basis. The best way that someone can mitigate this risk is by getting an appropriate home insurance plan as it will contain a liability risk provision.

Property owners in Niles, OH would clearly benefit by getting a home insurance plan. If you are in the market for an insurance policy here, you should call the Ruddy Insurance Group. The team of professionals at the Ruddy Insurance Group understands how important and valuable this coverage is. They can help you further assess your needs and build a plan that is ideal for your situation. 

Things to Consider When Purchasing Snowmobile Insurance

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You’ve just obtained a snowmobile and can’t wait to hit the trail. You’ve invested in the snowmobile, riding gear, and accessories. Protect your investment with sufficient insurance. Whether you’re renting a sled or you own one, here are things to consider before obtaining insurance. If you are renting, you will most likely have to purchase your insurance through the rental agency. The agents at Ruddy Insurance Group in Niles, OH, want to help you obtain the appropriate coverage for your snowmobile adventures.

Know exactly what your homeowner’s policy covers if anything. If your sled is covered, coverage may end as soon as you exit your property. The make, model, and age of your sled all factor into your snowmobile insurance rate. The insurance provider will also consider your driving history. Other considerations include the driving record of other people who use the snowmobile. The locations where you ride also help determine your rates. Ohio requires a valid driver’s license to operate a snowmobile. Be aware, some trail parks, and some states, require snowmobile riders to have insurance.

If you transport your snowmobile to your riding spot, you may want coverage when your snowmobile is on your trailer. Storage is another aspect to consider. Where do you store your snowmobile? Whether you keep it in the same place all year or store it somewhere else during the warmer months may make a difference to the insurance provider. If you know you only use your snowmobile during certain months, we may be able to find a policy that adjusts for that situation. 

Call the Ruddy Insurance Group Today

Call the Ruddy Insurance Group in Niles, OH, to learn more about snowmobile insurance or book an appointment. Our agents have experience with snowmobile insurance. We want to keep you and your sled protected. Meet with one of our independent agents now. 

Things to Consider When Shopping For Boat Insurance

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If you invest in something as expensive as a boat, you want to make sure that your precious possession is properly protected. The best way to do it is to get boat insurance. This type of insurance may be confusing, which makes it hard for boat owners to find and pick the right policy. In order to help you make an informed decision, Ruddy Insurance Group serving Niles, OH has prepared a list of things you should consider:

  • It is not required by law to carry boat insurance in the state of Ohio. However, it is still recommended to have it. 
  • There are certain factors that may affect the cost of your boat insurance, including where you plan to boat (in-country or out-of-country, freshwater or saltwater, coastal or inland), type of boat, suspension (it is possible to suspend your policy during the off-season), and available discounts (good boating and driving record or taking a boating class for example). 
  • Traditionally, most standard boat insurance policies cover the following: property damage liability (if you crash into someone else’s watercraft or boat, or destroy someone’s property while operating the boat), collision damage (repairs and replacement of your boat), engine damage, and body damage liability (this coverage protects you if you hurt someone while operating the boat). 
  • Standard boat insurance policies do not cover additional equipment and accessories unless they are specifically stated in the policy. These accessories and equipment include life jackets, GPS systems, boat modifications, anchors, and some others. 

If you are a responsible boat owner, one of the first things you should consider after getting a boat is boat insurance. It will protect your boat, yourself, and other people. Moreover, it will give you peace of mind. If you are currently looking for boat insurance but you still have questions and do not know where to start, Ruddy Insurance Group serving clients from Niles, OH will be glad to help you. Do not hesitate to give us a call – our experienced insurance agents will answer all your questions. 

Required Auto Insurance in Ohio

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All drivers in Ohio are required to have auto insurance on their vehicles. State law also makes it illegal for the owner of a vehicle to have someone else drive the vehicle if it is not insured. Proof of suitable auto insurance has to be shown anytime someone asks for it. This may be vehicle inspectors or police officers at accidents or traffic stops. If you don’t have your auto insurance in place, call us at Ruddy Insurance Group in Niles, OH.

Minimum Auto Insurance Requirements

Your auto coverage must meet the mandatory minimum coverage for the injury or death of one person and another amount for the injury or death of more than one person. It also requires a specific minimum of coverage for property damage that is caused by an accident. 

Collision Insurance

Collision insurance is not mandatory in the state of Ohio, but it is an extremely helpful policy type to have. With this coverage, the damage to your own vehicle is covered, not just your liability. If you were in an accident and had severe damage to your vehicle, this saves you from having to pay for everything out of your own pocket. 

Auto Insurance in Ohio

If you do not yet have auto coverage, or you want to increase the amount you have, give us a call at Ruddy Insurance Group in Niles, OH. You can make an appointment to talk with an agent about your auto insurance needs. Your agent can specify to you exactly the amounts that the law requires you to have in coverage as well as talk to you about suggested coverage that could make a big difference to your future.