Insurance Agent Joe Ruggiero
STATE FARM® INSURANCE AGENT, OWINGS MILLS, MD

Joe Ruggiero

Would you like to get a quote?

Office Details:

Street Address:

39.424326
-76.812739
400 Redland Ct Suite 100
Owings Mills, MD 21117-3291

Languages:

English
Russian

Office Hours (EST):

M-F: 9:00AM - 5:00PM

Phone:

Fax:

410-858-4268

Need help with a claim?

Start or track your claim online, or with the State Farm® mobile app.

Need to pay a bill?

Pay insurance bills fast and manage them easily.

About Me:

  • Friendly State Farm agent serving Baltimore, MD
  • Third generation insurance agent
  • Offering Auto Insurance in Owing Mills
  • Get a quote on Life Insurance in Reisterstown
  • Cover your home with personalized coverage
  • Contact us about Renters Insurance in Finksburg
  • Explore Health Insurance in Baltimore County
  • Keep pets covered with Pet Insurance in Pikesville
  • Supporting entrepreneurs with Business Insurance
  • Purchased a condo cover it with Condo Insurance
  • We serve Maryland, Delaware, Pennsylvania, and Virginia
  • We're a bilingual team that speaks English and Spanish
  • Come visit our pet-friendly office
  • Graduated from Towson University Go Tigers
  • I enjoy traveling, watching sports, and playing music
  • Honor Club and Ambassador Club in 2021 and 2022


Let us help you create a Personal Price Plan®

Everyone loves saving money. Customize a coverage plan that helps protect what’s important to you – family, things and your bottom line. From safe driving rewards, bundling options and discounts*, Joe Ruggiero can help you create a solution that’s right for you.

Prices are based on rating plans that may vary by state. Coverage options are selected by the customer, and availability and eligibility may vary.
*Customers may always choose to purchase only one policy, but the discount for two or more purchases of different lines of insurance will not then apply. Savings, discount names, percentages, availability and eligibility may vary by state.



Auto Insurance

Buckle up with State Farm, and get auto insurance in Owings Mills, MD that fits your needs. You’ve got plenty of options — from collision and comprehensive to rental and rideshare. If you need more than an auto policy for the family, we provide car insurance coverage for new drivers, business travelers, collectors, and more. Not to mention, State Farm is the largest auto insurance provider in the U.S.1 You could even save more by combining the purchase of auto and home policies.

Joe Ruggiero in Owings Mills, MD will help you get your Personal Price Plan for auto insurance. It’s fast and easy!

1. Ranking and data from S&P Global Market Intelligence, based on direct premiums written as of 2018.

Start your car insurance online quote. It’s fast and easy!



Recreational Vehicles

Do you enjoy the great outdoors with a motorcycle, motorhome, camping trailer, boat or off-road vehicle?  The world of recreational vehicles is almost as diverse as the list of recreational activities you might enjoy with them!  Recreational vehicles are built for adventure, but before you head out to hit the open road, water or trails make sure your toys have quality coverage with options designed with recreational vehicles specifically in mind.  Protect your most valued items wherever you roam.

Want more information? Ask Joe Ruggiero in Owings Mills, MD about a recreational vehicle insurance quote.

Call or email an agent for a recreational vehicle quote.



Homeowners Insurance

Protect your largest investment from unexpected events life may throw your way with State Farm® Homeowners Insurance in Owings Mills, MD. So, what’s covered?1 Your home insurance ensures you can repair or replace your home, as well as the items you value. Personal property is covered even if you're on vacation, running errands or holding items in storage. More homeowners choose State Farm as their home insurance company over any other insurer.2

Joe Ruggiero in Owings Mills, MD will help you get started after you complete a homeowners insurance online quote. It’s fast and easy!

1. Please refer to your actual policy for a complete list of covered property and covered losses.
2. Data provided by S&P Global Market Intelligence and State Farm Archive.

Start your homeowners insurance quote. It’s fast and easy!



Renters Insurance

Renters insurance, also known as apartment insurance, covers your personal property — like computers, TVs, electronics, bicycles, furniture, and clothing — both inside and away from your apartment or other home that you may rent. Renters’ insurance coverage1 even extends to personal property in your car. Renters insurance typically covers losses to your personal property caused by fire, smoke damage, sudden and accidental covered water damage, thefts, burglaries, vandalism or vehicle damage.

1. Please refer to your actual policy for a complete list of covered property and covered losses.

Start your renters insurance quote. It’s fast and easy!



Personal Articles

Do you have important treasures like collectibles, jewelry, sports equipment, and others? Your homeowners or renters insurance policy may limit coverage on some of your most valuable items. Make sure your valuables are protected with a Personal Articles Policy in Owings Mills, MD. A State Farm® Personal Articles Policy can even provide personal property coverage1 worldwide (perfect for vacations) in case of theft, accidental damage, or loss.

Want more information? Ask Joe Ruggiero in Owings Mills, MD about a personal property insurance quote.

1. Please refer to your actual policy for a complete list of covered property and covered losses.

Call or email an agent for a personal articles insurance quote.



Business Insurance

Whether your business is just starting, growing or maturing, State Farm will provide you with smart options for business insurance in Owings Mills, MD. Your insurance for business may include1 a business owners policy, commercial auto policy, individual health policy or even workers’ compensation. Like you, our agents are small business owners who know the importance of developing a plan for continued financial security. We know your business means everything to you. As it grows, make sure you have the right business insurance products for your business.

Work with Joe Ruggiero in Owings Mills, MD to get a small business insurance quote and choose what products are right for you.

1. Please refer to your actual policy for a complete list of covered property and covered losses.

Start your small business insurance quote today!



Life Insurance

Whether the death benefit helps your beneficiary pay housing costs, maintain a current standard of living, or helps pay for your children’s education, State Farm® life insurance helps your life's moments live on. Help secure the future of your family with a term, whole, or universal life policy. You have choices, and we have policies to fit nearly every need and budget.

By-the-way. If you thought you that you could not qualify for life insurance, Guaranteed Issue Final Expense is now available. The death benefit can help with final expenses, including funeral, burial costs, medical bills, cremation, or other debt.

Life Enhanced®

Build a stronger well-being.
Get guidance and motivation to strengthen key areas of your overall wellness.
Take a closer look

Joe Ruggiero in Owings Mills, MD will help you get started after you complete a life insurance online quote.

Start your life insurance online quote. It’s fast and easy!



Health Insurance

As you experience changes in your life, your health insurance coverage should adjust as well. Let State Farm help you find the right policy for health insurance in Owings Mills, MD. We offer a variety of affordable supplemental health, Medicare supplement, or individual medical coverage plans. You may even protect your paycheck with disability insurance to help cover monthly expenses.

Work with Joe Ruggiero in Owings Mills, MD to get a health insurance quote and choose a plan designed to fit the needs of a family, individual, or senior citizen.

Start your hospital income online insurance quote.



Banking

Banking, your way. When, where, and how you want. When you're looking for help to achieve your financial goals, we want to be your first and best choice in Owings Mills, MD. Thanks to an alliance between U.S. Bank® and State Farm®, now, you'll be able to apply for U.S. Bank Checking, Savings, CDs, Retirement CDs and Credit Cards online or through your local State Farm agent.

Talk with Joe Ruggiero in Owings Mills, MD to get more information about available U.S. Bank banking products.

Call or email an agent for product information.



Pet Insurance

StateFarm Trupanion

When your pets need medical attention, the last thing you should worry about is cost. Unfortunately, many pet owners find themselves facing tough decisions about their dog or cat’s care. We’re here to help. State Farm works with Trupanion® – a leader in high-quality pet medical insurance – to make it easier for pet owners to care for their furry family members.

Want more information? Ask Joe Ruggiero in Owings Mills, MD about a pet medical insurance quote.

Start your pet medical insurance quote. It’s fast and easy!

About Me:

  • Friendly State Farm agent serving Baltimore, MD
  • Third generation insurance agent
  • Offering Auto Insurance in Owing Mills
  • Get a quote on Life Insurance in Reisterstown
  • Cover your home with personalized coverage
  • Contact us about Renters Insurance in Finksburg
  • Explore Health Insurance in Baltimore County
  • Keep pets covered with Pet Insurance in Pikesville
  • Supporting entrepreneurs with Business Insurance
  • Purchased a condo cover it with Condo Insurance
  • We serve Maryland, Delaware, Pennsylvania, and Virginia
  • We're a bilingual team that speaks English and Spanish
  • Come visit our pet-friendly office
  • Graduated from Towson University Go Tigers
  • I enjoy traveling, watching sports, and playing music
  • Honor Club and Ambassador Club in 2021 and 2022

Our Mission:

Since I opened my office in 2021, my team and I have been focused on an important goal; helping State Farm customers by offering them consistent customer service. Life can be messy, but insurance doesn't have to be. We're happy to help customers cover what matters most with our variety of options, including Life, Auto, Home, and Renters Insurance. We proudly serve Baltimore, Owing Mills, and the state of Maryland. If you need assistance choosing a plan, please call us!

Our Team:

Team Member Profile Photo Tim Ruggiero
Tim Ruggiero
Account Manager
Hi there, I am Tim! I have been working with the team since 2021 and I love assisting State Farm customers with their Auto, Home, and Life Insurance, as well as other types of plans. I strive to be seen as hardworking and knowledgeable by both State Farm customers and our team. I attended college at SUNY Albany. When I'm not at work, I enjoy playing disc golf. A fun fact about me is that I have tropical fish!
Team Member Profile Photo Kelly Toledo
Kelly Toledo
Account Manager
Hello, I'm Kelly! I've been working with the team since August of 2021. I'm licensed in a number of insurance options, including Auto, Life, Home, and Business Insurance. I pride myself on my positive attitude, my patience, and my ability to problem solve! I have a Jack Russell/Pug mix named Suzy who keeps me moving. I love drinking coffee and listening to music, and when I'm not at work, I enjoy traveling and spending time with my loved ones.
Team Member Profile Photo Patrick Sise
Patrick Sise
Account Manager
Hi there! I'm Patrick. I've been working at this office since August of 2021. I can help you with a variety of insurance options, including Auto, Home, and Life Insurance, among others! I graduated from Elkton High School and the Peabody Institute of Johns Hopkins University. I enjoy hiking, traveling, watching sports, and playing disc golf. I have played the guitar for 28 years, and I enjoy sharing that love of music by teaching guitar lessons and touring with my band.
Team Member Profile Photo Jake Wise
Jake Wise
Account Manager
Hi, I'm Jake! I've been working with the team since 2023. I am here to help with your Auto Insurance needs! I attended J.M. Tate High School. I consider myself to be easygoing and when I'm not hard at work helping our customers, I enjoy making music, playing bass, watching sports, and spending time with my dog, Chubby.
Team Member Profile Photo Christina Kirkland
Christina Kirkland
Customer Service Representative
Hello there! I'm Christina. I began working with the Joe Ruggiero State Farm team in March of 2023. I am friendly, thoughtful, hardworking, and responsible, and I strive to put these traits to good use helping State Farm customers! I am bilingual and enjoy using this skill to serve our Spanish-speaking State Farm customers. My husband and I have seven Labrador Retrievers, and when I'm not with them, you can find me fishing, baking, traveling, taking photos, and spending time with family.
Team Member Profile Photo Eddy Litvak
Eddy Litvak
Customer Service Representative
Hello to our State Farm customers! I have worked at this office since December of 2023. I strive to work hard and be there for customers. I live locally and attended Stevenson University. When I'm not in the office, I play and teach several instruments, including guitar, percussion, and accordion. I also enjoy cooking, fishing, and hiking. I look forward to getting to know you the next time you reach out to our team!
Team Member Profile Photo Jessica Colson
Jessica Colson
Customer Service Representative
started working with the Joe Ruggiero State Farm team in November of 2022. I can assist you with your Auto, Home, and Renters Insurance plans. I work remotely from Maine! I have two dogs named Sadie and Ruger who are extremely sweet and full of personality. When I'm not busy helping State Farm customers, I enjoy spending time in the outdoors, fishing, hunting, and camping. Crafting and traveling are two of my other hobbies!
Team Member Profile Photo Nicole Jarding
Nicole Jarding
Customer Service Representative
Welcome, Good Neighbors! My name is Nicole, and I've been working with the Joe Ruggiero State Farm office since 2023. I would love to help you explore Auto, Home, or Renters Insurance. I consider myself a hard worker who loves to crack a silly joke. I earned a business degree from Dakota Wesleyan University. I was born and raised in my current city of Mitchell, South Dakota, and I am now raising four children there with my husband. In my spare time, I like to play softball and stay active.
Team Member Profile Photo Tamera Atkins
Tamera Atkins
Customer Service Representative

Agent's Credentials and Licenses:

MD-100024614
DE-1379703
PA-737858
VA-765040

We're Hiring

It could be the beginning of an exciting career.
This opportunity is about potential employment with an independent contractor agent who solicits application for State Farm products and services, and does NOT result in employment with any of the State Farm Companies. The employment selection decision, terms and conditions of employment (such as compensation and benefits) are all determined solely by the independent contractor agent.

Disclosures

Deposit products offered by U.S. Bank National Association. Member FDIC.

The creditor and issuer of this credit card is U.S. Bank National Association, pursuant to a license from Visa U.S.A. Inc.

Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.

Pet insurance products are underwritten in the United States by American Pet Insurance Company and ZPIC Insurance Company, 6100-4th Ave. S, Seattle, WA 98108. Administered by Trupanion Managers USA, Inc. (CA license No. 0G22803, NPN 9588590). Terms and conditions apply, see full policy on Trupanion's website for details. State Farm Mutual Automobile Insurance Company, its subsidiaries and affiliates, neither offer nor are financially responsible for pet insurance products. State Farm is a separate entity and is not affiliated with Trupanion or American Pet Insurance. 

Pre-existing conditions: If you currently have a pet medical insurance policy, switching carriers or purchasing a new policy may affect certain provisions such as coverages for pre-existing conditions or deductibles already established under your current policy. Let your State Farm® agent know if your existing policy has provisions that might make it beneficial for you to keep. 

State Farm (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates) is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites referenced in this material. Products and services are offered by third parties and State Farm does not warrant the merchantability, fitness or quality of the products and services of the third parties.

Benefit available for State Farm customers who have purchased a new life insurance policy since January 1, 2022. While anyone over 18 years of age can join Life Enhanced, certain app features, including rewards, may not be available unless you own an eligible State Farm life insurance policy. At this time, policyholders in Florida and New York are not eligible for the full program. Please note that some policyholders may experience a delay before a new policy is eligible for rewards.

This is not a solicitation to buy or sell State Farm insurance products.

Life Enhanced participation subject to program eligibility and varies by state. Subject to terms and conditions of the agreement. Life Enhanced app is available for Android and iOS. An iOS or Android mobile device may be required to use all Life Enhanced program features. Customers must agree to authorize State Farm to collect health and wellness information data. Mobile application users must agree to a licensing agreement.

Pursuant to relevant tax law, State Farm may send to you and file with the Internal Revenue Service and/or other applicable tax authority a Form 1099-MISC (Miscellaneous Income) for the redemption of Life Enhanced rewards as appropriate. You are solely responsible for any tax consequences arising from the redemption of Life Enhanced rewards. State Farm does not provide tax or legal advice. You may wish to discuss the potential tax consequences of your participation in the Life Enhanced program with a tax or legal advisor.

Each State Farm Insurer has sole financial responsibility for its own products.

State Farm Life Insurance Company (Not Licensed in MA, NY or WI)

State Farm Life and Accident Assurance Company (Licensed in NY and WI) Bloomington, IL

State Farm VP Management Corp. is a separate entity from those State Farm entities which provide banking and insurance products. Investing involves risk, including potential for loss.

Neither State Farm nor its agents provide tax or legal advice. Please consult a tax or legal advisor for advice regarding your personal circumstances.