Patty Ruiz

You’re excited. You’re scared. And, truth time, maybe you don’t know what “replacement value” means. Buying a new home is BIG and making sure you have the homeowners insurance that is right for you can feel daunting. I’m happy to answer your questions.

High-ticket purchases are exciting. Keeping track of your receipts and taking photos of your new things is not — but it’s important, in case you ever needed to file a claim.

If a new kitchen, bathroom makeover or another renovation is in your near future (think 2024), don’t forget to put “check my policy” on your to-do list along with “pick tile” and “shop appliances.” Remodeling projects can bump up your home’s value — and could shift your coverage needs. Call me to find out how your plans could affect your coverage needs.

Life insurance is often overlooked as an option when individuals consider giving to charities, but it can be a way to provide a charity with funds in the future. If philanthropy has been a way of life for you, let’s discuss ways for your legacy of giving to continue after you are gone.

Mom and Pops. Corner stores. Twee boutiques. Small businesses make our communities hum. Today’s the day to celebrate — and shop — local. It’s Small Business Saturday.

Stuffing or dressing? Pumpkin or apple? These are questions we can answer. Today, let the other big decisions go – and have a Happy Thanksgiving.

This season of gratitude reminds us to appreciate the moments we have together. Life insurance can help ensure that those moments can continue even if the unexpected happens.

Keep your business fresh as a daisy. If a power outage or busted refrigeration system (or other mechanical breakdown) could spoil your inventory, we offer coverage that can help you get up and running again. Call me to learn more.

Veterans Day honors all who have served. November 11 is your day, and we thank you for your service.

Hitting the road for the holiday? Check your oil, tires and emergency kit before you buckle up.

Don’t let one bad apple spoil your business. A Farmers business policy can help you recover from employee theft and other losses caused by a dishonest worker. Call me to learn more.

Happy Halloween, everybody! Here’s an important question: Costume or candy — which is the most important?

Grumpy cats! Zoomie cats! Fat cats! Cats in shark costumes! The best thing the internet ever gave us? Cat memes. What’s your favorite? And happy National Cat Day.

Does your business have an iconic, instantly-recognizable sign out front? You can cover outdoor signs with a business insurance policy. Call me to learn more about this and other coverage to help you keep your business up and running.

If windows are the eyes into the soul of a brick-and-mortar shop, a broken window — think: vandalism, a break-in or storm — could be a black eye for your business. Call me to learn more about tenants exterior glass coverage in a Farmers business policy.

It’s National Teen Driver Safety week, so if your teen gives you nothing but [eyeball roll emoji] when you talk about safe driving, consider this: it’s not what you say, it’s what you do. Put the phone down and keep your eyes on the road when you’re driving.

Life insurance can play a major role in estate planning, from things such as helping your beneficiaries cover your final expenses, estate taxes, or to leaving a potential nest egg for your children. I’m here to help you get started.

Ahhh, autumn leaves. They blaze, they amaze. And then they fall and gum up your gutters, just in time for the rain and snow. Cleaning clogged gutters now can help prevent damage to your roof and home this season.

Fall encourages us to embrace change and make positive transformations. Thinking about life insurance to include in your estate plan can be a proactive step in helping you to protect your legacy and make a financial impact for future generations.

Dropoffs, pickups, rides to practice — back to school means more driving, more traffic and more kids in crosswalks. It’s a good time to pay special attention when driving near schools, bus stops and intersections with crossing guards.

Let’s talk about plumbing. Specifically: the pipes, drains, septic system or sump pump that help you keep your business clean and comfortable for customers. Adding coverage specific to sewer and drains to a business policy could help spare you a financial mess. Call me to learn more.

Life insurance isn’t just for older generations. In fact, getting coverage earlier in life can be more affordable than you may think. Don’t delay helping to protect your family’s financial future. Let’s talk today about your options.

In honor of National Hispanic Heritage Month, we celebrate Hispanic and Latino Americans for their many contributions to our nation’s history and culture.

The increase in life insurance ownership is a small but important step towards greater financial security for families in the U.S. Now may be the time to explore life insurance options to help you financially protect your loved ones.

Word of the Day: bailee — a person or business given temporary custody of someone else’s property.
Whether you’re in the business of cleaning, repairing, transporting or storing items, customers leave important belongings in your care. What happens if a storm, vandalism or other loss impacts their property? Let’s talk about bailee property coverage for your business.

Consumers generally overestimate the cost of life insurance. Did you know that life insurance can be more affordable than you think?

What’s your evacuation plan? Do you have a disaster supply kit or bug-out bag? For National Preparedness Month, think about what you need to have, do and know for your family — and furballs — in case of an emergency. Make A Plan | Ready.gov

We may associate Labor Day with the unofficial end of summer (sigh), but the holiday stems from the late nineteenth century labor union movement and their efforts to honor American workers. The first celebration took place in New York City in 1882.

Do you live or drive near a school zone? Keep an eye out for kids crossing streets and parents making oddball U-turns and harried parking moves at pick-up and drop-off times.