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Frequently Asked Questions

  • What does condo insurance cover?
    Condo insurance provides coverage for various aspects, including: Protection for the primary building and common areas of the condominium complex. Coverage for each building and items within each unit that are considered part of the property belonging to the condominium complex. Coverage for each building, individual units, and any fixtures or improvements made by the occupants. It is essential to understand the specific coverages provided by your condo association to ensure you have the necessary additional protection.
  • Why is homeowners insurance important?
    Homeowners insurance is crucial because it protects your most significant investment—your home. It provides coverage for unexpected calamities and misfortunes, offering financial security and peace of mind. With comprehensive homeowners insurance from Tom Ruggirello Insurance, you can safeguard your property, personal belongings, and mitigate liability risks.
  • What does auto insurance cover at Tom Ruggirello Insurance?
    At Tom Ruggirello Insurance, our auto insurance policies cover a range of needs, including both standard and non-standard drivers. Standard auto insurance is suitable for preferred and super preferred drivers, including older drivers with a mature driving record and individuals with few or no tickets or accidents. We also offer coverage for higher-risk, non-standard drivers, such as new and younger drivers, drivers with SR22 requirements, and those with a history of accidents or tickets.
  • Can I get multi-policy discounts for my insurance coverage?
    Yes, at Tom Ruggirello Insurance, we offer multi-policy discounts to help you save on your insurance premiums. When you bundle multiple policies, such as home insurance, condo insurance, or auto insurance, you may qualify for additional savings. Contact our experienced agents to explore the available discounts and find the most cost-effective coverage options for your needs.
  • How can I get a free quote for insurance coverage?
    Obtaining a free quote for insurance coverage is easy. You can reach out to Tom Ruggirello Insurance Agency by calling us at 772-621-9966. Our dedicated agents will provide personalized attention, review your specific requirements, and offer a quote tailored to your needs. Alternatively, you can fill out the quote form on our website to request a free online quote. We look forward to assisting you with your insurance needs and helping you find the coverage you deserve.
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