Ruff & Associates Inc. in Circleville, OH

The Ruff & Associates Inc. in Circleville, Ohio provides the following products. To learn more about each insurance product, click on the links below.

• Car Insurance

  Since opening their doors, Ruff & Associates Inc. has been helping Circleville motorists find auto insurance coverage that speaks to their personal priorities. Whether it's the everyday vehicle, weekend joyride, or any number of specialty vehicles, know that you're protected with policy coverage that makes sense for your household. From family plans and good student discounts to anti-theft and paperless billing options, find great coverage at a great price with Ruff & Associates Inc..
  
  Eliminating coverage gaps and finding affordable policies aren't the only advantages of partnering with Nationwide and Ruff & Associates Inc.. The Vanishing Deductible® program acts as a reward for each year of claims-free driving you accrue. This reward is on top of the separate accident-free and defensive-driving discounts that Circleville drivers can earn with Nationwide. There are also secondary services that can be added on to your policy including rental reimbursement, towing, and roadside assistance. And should you ever need it, the On Your Side® Claims Service offers a list of qualified shops and a secure way to monitor the repairs.
  
  Learn how to choose a personalized Nationwide solution without getting frustrated or spending an entire day on research. Talk to Ruff & Associates Inc. and make decisions with speed and confidence. Give us a call at (740) 474-1991. The office is located at 888 N Court St.

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• Home Insurance

  Buying a new home in Circleville is a big step for anyone, and making this important decision requires thinking seriously about insurance needs. New homeowners should begin exploring their insurance coverage needs as soon as the property sale has been finalized; this is the best way to know that you are enjoying the full benefits of insurance protection. If you are unsure about the coverage needs of your new home, Ruff & Associates Inc. can help. We help homeowners every day by providing personalized insurance solutions.
  
  Nationwide coverage can be personalized to individual policy holders. This is the best way to make sure that your property is receiving the kind of protection it deserves. Explore coverage options for garages, storage sheds, children's play equipment, swimming pools, and many other special features. If you own heirlooms, antiques, or works of art then your homeowner policy should reflect the value of these belongings. Your agent can provide helpful information about coverage options so you can create the policy that suits your needs.
  
  We love helping homeowners access the great Nationwide insurance products that suit their lifestyle and individual needs. Your family and your property deserve the best, so we have teamed up with a company renowned for customer service, Nationwide. Nationwide agents and the Ruff & Associates Inc. team members are here to help. Call us today at (740) 474-1991 or visit our 888 N Court St location.

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• Life Insurance

  Life is full of uncertainties. Your family’s financial well-being shouldn’t be one of them. As you shop for life insurance in Circleville, you likely have many questions running through your mind:
  
  • “What are the benefits of term vs. permanent policies?”
  • “How much coverage do I need?“
  • “How much does a life insurance policy cost?"
  
  Ruff & Associates Inc. can help you find the right policy to protect your legacy and provide financial security for your loved ones when you are no longer living.
  
  There are a variety of factors you must consider to determine the amount of coverage you need. First, estimate the amount of debt, final expenses and other financial obligations you might leave behind. Also, think about your income and how the loss of it will affect your family. You want a policy that has a death benefit that covers those costs and leaves a financial cushion.
  
  Next, decide what kind of policy you want. There are several types of life insurance available. Base your decision on what you can comfortably afford and your current and future financial goals.
  
  Finally, carefully review all policy documents. A life insurance agent can provide clarity on any information or policy language you do not understand. If you have special considerations, do not hesitate to inform one of our team members.
  
  Insurance is a smart investment. Getting the right policy is easier than you think. Call (740) 474-1991 for an appointment with an agent. Feel free to stop by 888 N Court St to discuss Nationwide coverage options in person.
  
  
  LAW-0239AO (05/18)

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• Business Insurance

  As a small business owner, you may have already purchased property insurance and general liability insurance, but did you know you could be protecting your assets even further? Nationwide, in conjunction with Ruff & Associates Inc., provides a wide variety of specialized business insurance policies to benefit many types of businesses.
  
  Are you wondering what more you could need? Many business owners choose to add an umbrella policy to their coverage. Sometimes something occurs that the main policy cannot cover in full. If this happens, umbrella insurance acts as additional protection for a liability claim. Others opt to add income loss coverage and use it to pay bills and employees if they ever experience a business interruption. Depending on the type of business you run, you may be required to carry workers' compensation insurance in case an employee becomes injured on the job. Equipment breakdown policies, crime insurance policies, and cyber liability policies are all popular as well. If you are feeling overwhelmed by all the options, don't worry. Our experienced agents can help you determine which policies would work well for your company. Together, we will come up with a package that protects you at a budget you can afford.
  
  If you run a small business in Circleville, Nationwide and Ruff & Associates Inc. are ready and willing to help you. To learn more about which small business policies are right for you, call us at (740) 474-1991 or stop into our offices at 888 N Court St.
  
  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.

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The Ruff & Associates Inc. also offers products in OH. Please call for information on products in those states.