Frequently asked questions
Our Insurance Products
Understanding the language of insurance policies can be difficult, which is why Brian Ruiz focuses on being your guide to coverage whenever you ask for a quote on a new auto insurance policy. Whether you are looking to keep coverage on an older vehicle or you want to make sure your new purchase is fully protected, there are a variety of coverage options offered by Brian Ruiz to fit any driver's needs in San Jose.
Liability coverage is the first and most basic kind required by most states, but your optimum level of coverage and your state's minimum requirements might be quite different. It all depends on your individual needs starting with the vehicle you drive. Agents at Brian Ruiz understand this, and part of the process of finding the right policy for each driver is finding the right combination of features. That means not only taking care of basic liability but also assessing your needs for collision insurance protection and comprehensive coverage to provide drivers with peace of mind even when the vehicle is parked.
To ask questions about coverage or to talk to Brian Ruiz about other discounts you might qualify for, give our offices a call at (408) 399-2400. We are also able to make appointments for face to face consultations at our office located at 4010 Moorpark Ave. Whether you want to know more about prices and coverage levels or you're ready to move forward with a purchase, our agency is ready to help with your auto insurance questions.
Need help understanding what's required by your home lender? Or how you can best protect your home's property value including the dwelling, other property structures, and the belongings inside the home? Let Brian Ruiz make sure you don't miss that crucial detail about your homeowner's policy. Along with their general expertise of San Jose home insurance, our agents will listen carefully to your questions and concerns. From there, it's a straightforward process to find the policy coverage that makes the most sense for your home and your loved ones.
Everything from the age of the home to the age of the homeowner can mean new ways to save on your San Jose home insurance. There are also exclusive Nationwide benefits programs, like Brand New Belongings® and Better Roof Replacement®>. These programs will make it easier to move forward should a covered damage occur. In the meantime, they offer extra peace of mind.
You probably didn't build the house on your own, and nor should you have to wade through the details of a home insurance policy by yourself either. Let Brian Ruiz demystify the process and help you understand how a policy protects you from covered damages. When it comes to something this important, you don't want to stay in the dark. Give us a call at (408) 399-2400 to discuss your policy. Or schedule an appointment with our office at 4010 Moorpark Ave to talk about your concerns in person with Brian Ruiz and our staff today.
If you have children, a spouse or anyone in your life who depends upon you financially, you need life insurance. The same holds true if you depend upon someone else financially. Life is unpredictable but it is within your power to minimize or even eliminate the financial impact of unexpected life events.
We at Brian Ruiz are here to help people like you in the San Jose area. We are here to answer your questions and make life insurance understandable. We will explain term versus permanent insurance and we will outline the types of life insurance that may be best for you.
When determining the amount of coverage you need, you should consider both your present and future circumstances. What are your current financial needs and what do you expect to be the future financial needs for your family?
You should factor in your current age, income and debts and the likely financial impact of lost income. You should also consider final expenses as well as future educational needs for your children and even for yourself or your spouse. If you are a one-income household, you should be sure to purchase a policy that will cover that income in its entirety if lost.
Life gets hectic; make sure you are not too busy to take care of yourself and your family. Call us now at (408) 399-2400 and ask for Brian Ruiz. We are located at 4010 Moorpark Ave,San Jose,CA,95117 and you are welcome to stop in any time. Let us help you find the right policy to assure your family’s financial security.
We all strive to be at our very best at every possible moment to fulfill our own individual obligations and meet the needs of those around us. Yet there will be times when factors outside of our control present risks. Perhaps in no other facet of life is this more true than in business. As a small business owner, your effort in building your company needs to be protected by a sound insurance plan. We at Brian Ruiz would be happy to provide you with that.
Thanks to our association with Nationwide, all of the core coverage elements needed to build the right business insurance policy in San Jose are right at your fingertips. You can start with basic options such as commercial property and business liability insurance, and then supplement that with business auto coverage. Then, depending upon the unique aspects of your company, you can choose to add extra coverage such as crime insurance, cyber liability protection, workers' compensation, and added financial security through accounts receivable and business interruption insurance. Not sure how much insurance you'll need? Choose instead to go with a businessowners policy, which offers a wide range of coverages designed to provide a convenient package.
Building the ideal small business insurance plan can be easy if you have the right help in doing it. Brian Ruiz is here to help. We look forward to discussing all of the business insurance benefits that Nationwide has to offer. To learn more about covering your company through Nationwide, stop by and speak to us at our office on 4010 Moorpark Ave, or call and schedule an appointment at (408) 399-2400.
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 Brian Ruiz also offers products in AZ. Please call for information on products in those states.
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