Todd Ruff, Insurance Agent

Ruff & Associates Inc.

Todd Ruff
Agency Owner
9:00 AM - 5:00 PM 9:00 AM - 5:00 PM 9:00 AM - 5:00 PM 9:00 AM - 5:00 PM 9:00 AM - 5:00 PMClosed Today Closed Today

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Main Number
(740) 474-1991(740) 474-1991

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Contact
Phone:
(740) 474-1991(740) 474-1991
Fax:
(740) 474-2293(740) 474-2293

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Hours

Store Hours:

Day of the WeekHours
Mon9:00 AM - 5:00 PM
Tue9:00 AM - 5:00 PM
Wed9:00 AM - 5:00 PM
Thu9:00 AM - 5:00 PM
Fri9:00 AM - 5:00 PM
SatClosed
SunClosed

Learn about our insurance products

  • Get an auto insurance policy you can count on from Nationwide.
  • Protect your house and personal property by choosing the right insurance coverage from Nationwide.
  • Let us help you select life insurance coverage that meets your needs, your life and your budget.
  • Cover your business with commercial insurance from Nationwide.

Member support

24/7 Claims Service
1-800-421-35351-800-421-3535

About Todd Ruff

Languages Spoken
  • English
Licensed In
  • OH
Services
  • Auto
  • Life
  • Home
  • Business
Awards
  • Champion Award

Our Insurance Products

The Nationwide Insurance: Ruff & Associates Inc. in Circleville, OH provides the following products. To learn more about each insurance product, click on the links below.
  • Auto Insurance
    Insurance is designed to give you the peace of mind you need to enjoy your assets without worry, and auto insurance should be no different. That's why Todd Ruff works with you to build a personalized insurance plan, so members can be sure they are getting the policy that fits their driving style, vehicle value, and level of activity on the roads of Circleville.

    Knowing whether or not your vehicle would benefit from comprehensive coverage, which takes care of incidents that happen when it is not being driven, means knowing where it fits into your portfolio of assets, what your budget looks like, and how it is likely to affect your resale value Ruff & Associates Inc. understands this. That's why options are available that include basic liability protection, collision coverage, or multiple tiers of comprehensive protection, so you have what you need. That's also why we offer Nationwide policies, which have a variety of discount options for drivers based on the safety features on their vehicle and their driving records.

    If you have questions about auto insurance policies for your vehicle, or if you want to make a purchase over the phone, get in touch with Todd Ruff at (740) 474-1991. You can also make an appointment for a face to face meeting at our offices at 888 N Court St.

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  • Homeowners Insurance
    Feeling confident in your insurance policy's ability to protect what matters most is very important. Nationwide customers across the country have known for years that their chosen insurer is going to be there for them through the biggest life changes. Here at Ruff & Associates Inc., we are pleased to offer personalized insurance solutions to our valued Circleville customers. This is a great time to re-evaluate your insurance needs and make sure your policies are working hard on your behalf.

    Any changes in your life may require taking a second look at insurance coverage. For instance, remodeling or renovating a home can increase its value considerably, which might mean your old home insurance policy is no longer reflective of your actual needs. Visiting with Todd Ruff or another Ruff & Associates Inc. team member is a great way to explore your home insurance policy options and other important coverage solutions.

    Thanks to the many coverage options made available through Nationwide, we can offer a more personalized approach to policy creation. Having home insurance tailored to your individual needs is the best way to ensure you are getting the best value. We can help evaluate your current home insurance needs and assist in determining the forms of coverage that best address your concerns. Contact Ruff & Associates Inc. today by calling (740) 474-1991 or visit our offices at 888 N Court St. We look forward to helping your insurance do more for you.

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  • Life Insurance
    At Ruff & Associates Inc., we want to make customers aware of how easy and affordable life insurance is. We know many people in Circleville think they cannot afford to have a good policy that protects their financial interests. That is why we work with Nationwide to provide customers with the diverse coverage options they need to sleep peacefully at night.

    Affordability is a major concern for most. In addition to choosing coverage based on what you can afford, you need to think about how you or your loved ones may need to use your policy proceeds. Maybe you’ll need to replace lost income or pay for long-term care expenses and your kids’ college education. These issues may not completely encompass your current concerns. However, keeping them in mind will help you discern the proper coverage level for your situation.

    There are circumstances where customers find it more beneficial for them to layer several term life insurance policies instead of purchasing whole life insurance to give them long-term financial security.

    By speaking with a life insurance agent who works with Nationwide, you can gain a better understanding of options that are ideal for your situation. The amount of coverage you need can help you meet your current and future financial goals.

    To better understand coverage options, we encourage you to contact Todd Ruff at (740) 474-1991 to arrange a time to meet in office at 888 N Court St,Circleville,OH,43113 to discuss your needs. For additional convenience, our agents are ready to help you go over coverage options over the phone.


    LAW-0244AO (05/18)

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  • Business Insurance
    Finding peace of mind as a small business owner means being prepared for challenges your company might face as it grows. A good way to do that is by having a broad risk management plan and updating it after each new growth phase adds to the complexity of your operations. The Ruff & Associates Inc. works with Nationwide to make this easier by providing the kind of robust and customizable insurance that has already serviced over 500,000 small businesses.

    To get the process started, Todd Ruff may recommend purchasing a business owner's policy. This provides basic coverage along a variety of lines and represents the closest thing that business insurance has to a comprehensive policy. From there, agents conduct an On Your Side® Review to find specific areas where your company could use a little more coverage, and these vary quite a bit from business to business. Examples include insurance on your receivables, on equipment and other specific high-value assets, product liability, and basic property insurances.

    Finding the right coverage for a small business in Circleville is a process, but it is a process that Todd Ruff has the experience to guide you through. That way, you have the security you need to take advantage of every new business opportunity. To get things started, call (740) 474-1991 for a phone consultation or to set an appointment for a meeting at our offices located on 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.

About Ruff & Associates Inc.

Patricia Ruff, Insurance Agent

Patricia Ruff Associate Agent/Office Manager

Phone:
(740) 474-1991(740) 474-1991
Fax:
(740) 474-2293(740) 474-2293

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Felicia Dutcher, Insurance Agent

Felicia Dutcher Associate Agent/Customer Service

Phone:
(740) 474-1991(740) 474-1991
Fax:
(740) 474-2293(740) 474-2293

Send Felicia Dutcher an Email

Sarah Young, Insurance Agent

Sarah Young Associate Agent/Customer Service

Phone:
(740) 474-1991(740) 474-1991
Fax:
(740) 474-2293(740) 474-2293

Send Sarah Young an Email

With Ruff & Associates , you'll feel at home, like a member of the family. Our top priority is doing what is best for you. As a full-service insurance agency, we'll provide you with great insurance coverage at the best possible price. And if you suffer a loss, we are your first contact. We'll stand beside you during the process and help to see that you get fair, prompt payment. Our service is a little old-fashioned. We try our best to do things quickly. Nothing is more important to us than customer service. And why not? Referrals are our most significant source of new clients.
Our commitment to you is to provide the best, personalized service available while assisting you with all of your insurance needs for your home, auto, farm, business or life. Ruff & Associates is On Your Side.

Average customer rating for Ruff & Associates Inc.

888 N Court St
Circleville, OH 43113
US