Frequently asked questions
Our Insurance Products
Ruby Joyce Barnett Agency is your local expert for Oakland auto insurance and all the Nationwide policy options that go into building a personalized coverage solution. No matter what your driving habits, no matter the number and age of household drivers, there's an auto insurance policy that fits your needs. And it's not just the everyday automobile we can help with. If you have an RV, motorcycle, or boat, our agents can help you understand the unique coverage needs for these vehicles, too.
Have questions about policy types, claim amounts, or liability requirements that apply to CA drivers? Worried about potential gaps in your coverage? Interested in learning more about the Vanishing Deductible® program? Ruby Joyce Barnett Agency can give you the answers. We'll also make sure you receive all the discounts for which you qualify, and the On Your Side® Review makes sure your policy keeps up with your evolving auto insurance needs.
We recognize that purchasing auto insurance isn't exactly a favorite pastime for any Oakland driver. By partnering with Nationwide and providing great customer service, Ruby Joyce Barnett Agency can make things a little easier on you. Call us today at (510) 251-3800, and we'll take the stress out of shopping for 94610 car insurance. You can also schedule an appointment to talk about your coverage in person. Our office is located at 3450 Lakeshore Ave.
Ruby Joyce Barnett Agency has teamed up with Nationwide to help you find the right home insurance package for your needs. This includes evaluating both your home and any belongings important to you. With our Valuables Plus® coverage, you can protect expensive items such as works of art, antiques, or jewelry; and replacements are easier than ever with our Brand New Belongings® coverage. Ruby Joyce Barnett Agency can answer any questions you have about protecting you and your family's most treasured possessions.
The state of your home also comes in to play when determining what kind of home coverage is best for you. Any detached home additions are also important to evaluating your coverage needs, such as a pool or storage shed. Location also plays an important role in choosing the right home insurance. In Oakland, everything from zoning to weather can affect your coverage. Since Ruby Joyce Barnett Agency is local to Oakland, our agents are knowledgeable of any local factors that may impact your coverage.
Picking home insurance is a very manageable process when you have the right partner by your side. Give Ruby Joyce Barnett Agency a call today at (510) 251-3800 and find out how to get started. You can also come visit us in person at 3450 Lakeshore Ave. We look forward to meeting you.
Getting married, purchasing a new home, or starting a family are all exciting experiences. However, these life events often mean bigger financial obligations. Your increased financial obligations can be a good impetus to taking the necessary step to assure your family’s financial security. Your home is a place of security and pride; be sure to protect your standard of living.
We at Ruby Joyce Barnett Agency proudly work with residents in the Oakland area. We want to make sure you have the type and amount of coverage you need so that you and your family are prepared for any eventuality. We will explain in understandable language term versus permanent insurance and we will discuss the types of life insurance that can best fit your needs.
The amount of coverage your family needs is largely determined by factors such as age, income, debt, number of dependents, long-term educational needs, monthly expenses, long-term goals and desired length of coverage. We will explain in easily-understandable terms whole life insurance and universal life insurance and why you may want permanent insurance.
As you enjoy the now, don’t forget to protect your family’s future. Life insurance gives you the peace of mind that comes with preparing for life’s uncertainties. Call Ruby Joyce Barnett Agency at (510) 251-3800. We can assess your coverage needs and answer all your questions. If you are in the neighborhood, stop by any time. We are located at 3450 Lakeshore Ave. We look forward to seeing you.
Acting proactively is one key to small-business success. Whether you run a dry cleaner business, florist shop, real estate office, attorneys office, or something else entirely, we at Ruby Joyce Barnett Agency have many excellent insurance solutions to offer you thanks to our working with Nationwide. Nationwide and its agents insure more than 500,000 small businesses all across the United States, and we are committed to providing quality coverage in Oakland that is affordable and meets your needs.
If you are uncertain about where to start with your insurance plan, we offer On Your Side® Reviews to assess your business and to make recommendations to the types of insurance coverage you may need. Another good way to approach the matter is to get a business owners policy, or BOP, specific to your industry type. After that, you can add on options to fit specific situations. For example, such additional coverage options include workers compensation insurance, cyber liability insurance, accounts receivable insurance, and crime insurance. Even two businesses in the same industry may have vastly different insurance needs, so we make many coverage choices available. Business size, finances, and target customer base can often factor into insurance coverage as well.
It is natural to wonder about the amount and type of coverage that is appropriate for your business. Contact our office today to get answers. You can give us a call at (510) 251-3800 or visit us on 3450 Lakeshore Ave to protect your business as much as possible.
Nationwide offers small business resources to help you strengthen your business, such as financial calculators and information and articles on marketing and cash flow management. Learn more at the Business Solutions Center.
The Ruby Joyce Barnett Agency also offers products in CA. Please call for information on products in those states.
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