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State Farm® Insurance Agent

Joe Ruggiero

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

Profile photo of a State Farm Agent named: Joe Ruggiero

Would you like to create a personalized quote?

Office Info

Office Hours

9am - 5pm
After Hours by Appointment
Call or text us 24 hours a day!


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


English, Spanish, Russian

Se Habla Español! Llámenos para cualquiera de sus necesidades de seguro de automóvil, hogar, vida, o negocio. Nuestra agencia local es bilingüe y ayuda a nuestros clientes que hablan español con todas sus necesidades de servicio - realización de pagos, presentar un reclamo, o hacer cambios de póliza.

🌞 Ensure a worry-free future! 🏡🚗💼

This July, prioritize protection with our comprehensive insurance plans. Safeguard your home, car, and business against unexpected events. Don't wait until it's too late – contact us today!

Since 2008, when I began my journey in the insurance industry, I have felt extremely lucky to be able to serve customers like you and support my community. When I opened my office in 2021, I was inspired by my family's legacy, as both my father and grandfather also worked in insurance. My father and I now work side by side along with an amazing team to help support our Good Neighbors in Owings Mills and the greater Baltimore area with State Farm's personalized plans and our focus on customer service. Since our office opened, we have qualified for State Farm's Honor Club and Ambassador Club in 2021 and 2022 and engaged with our community to sponsor multiple local events. I am so grateful for the relationships I have formed and all that I have learned over the years, and I cannot wait to apply that knowledge to helping you protect the important things in life.

We know that each one of our customers is unique and has different coverage needs, and we're happy to accommodate that! If you're on the hunt for Auto, Home, Life, and Renters Insurance, we have personalized options for you, but we are also here to help you protect your health, your pets, your business, or the belongings that help make your rented house a home. There are a lot of big milestones in life, and we want to be by your side for each one! Whether you're tying the knot, getting a new dog, or starting a business venture, we want to make sure you move forward into the future confident about your coverage from life's biggest surprises. Please get in touch with our team to start discussing your options!

We proudly assist our community members in Reistertown, Towson, Rosedale, Baltimore, Finksburg, and more. I'm happy to report that we're also able to help our customers outside of Maryland! If you're in the states of Delaware, Pennsylvania, or Virginia, we are licensed to help you explore your options for coverage, so do not hesitate to reach out to us with questions about relocating or updating a plan.

Prior to starting my journey with State Farm, I graduated from Towson University after earning a Bachelor's degree in Business Administration. I have a variety of passions and hobbies that I enjoy outside of the office! I am a big fan of exploring new places through travel alongside my wife, Tamera. If I'm not at work or looking forward to my next vacation, you might also find me watching sports, spending time with my cats, Sheryl and Lani, or playing with my band, which actually features another member of my State Farm team as well! I have lived in and around Baltimore since 2010, and I really appreciate this community and the time I've had to be here. It is such an honor to be able to support and serve my community with coverage that helps them plan for the future and say goodbye to stress. If you want to talk about your options for insurance, our team would love to hear from you!

Insurance Products Offered

Auto, Homeowners, Condo, Renters, Personal Articles, Business, Life, Health, Pet

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Nosotros traemos aseguranza a vida enseñando, apoyando y cuidando a las personas.

Compartimos la misión de State Farm, que es ayudar a las personas a manejar los riesgos de la vida cotidiana, recuperarse de lo inesperado y hacer realidad sus sueños.

Nos esforzamos por convertirnos en la oficina de seguros más destacada de Maryland al brindar orientación rápida, guir basada en sus necesidades, disponibilidad inigualable y una experiencia notable para todas las personas con las que hablamos.

At the Joe Ruggiero State Farm office, we don't just want to help you choose insurance, we want to understand and get to know you! Without that personal touch, we know that you may not end up with coverage that truly aligns with your lifestyle, and that's why we want to build connections that last! If you're overwhelmed with all the things that might go wrong in life, we want to walk you through your options for insurance so you feel prepared and confident about what's to come. We offer Auto, Home, Life, Renters, Health, and Business Insurance, among other types of plans, so you can choose what makes sense for you and your loved ones. We know that your needs will vary and that you will have plenty of questions—we welcome them! In the end, our focus is on supporting you and striving to offer great customer service so that you can face the future with a smile. Please get in touch to discuss choosing a plan!

We strive to be your first and preferred choice for insurance and financial service needs. We focus on Car Insurance, Home Insurance, Life Insurance and Financial Services throughout Maryland, Delaware, Pennsylvania and Virginia.

Se Habla Español! Joe y su equipo se esfuerzan por ser su primera y preferida opción para las necesidades de seguros y servicios financieros. Se enfocan en seguros de automóviles, seguros de hogar, seguros de vida y servicios financieros en Maryland, Delaware, Pensilvania y Virginia.

Kelly Toledo State Farm Agent Team Member

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, inclduing 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.

Patrick Sise State Farm Agent Team Member

Patrick Sise

Account Manager

Hi there! I'm Patrick. I've been working with the team 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.

Tim Ruggiero State Farm Agent Team Member

Tim Ruggiero

Account Manager

Hi there, I am Tim! I have been working with the team since 2021 and I love assisting our 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 our 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!

Christina Kirkland State Farm Agent Team Member

Christina Kirkland

Customer Service Manager

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.
Eddy Litvak State Farm Agent Team Member

Eddy Litvak

Customer Service Representative

Hello to all our customers! I have worked at this office since December of 2023. I strive to work hard and be there for our customers. I live locally and attend 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!

Tamera Atkins State Farm Agent Team Member

Tamera Atkins

Customer Service Representative

Hey there, Good Neighbors! I'm Tamera. I've been working with the team since January of 2024. I'm passionate about helping our State Farm customers and love seeing the positive impact we're able to make in their lives. My goal is to bring a bit of sunshine into each interaction and help our customers protect what they cherish most. Outside of work, I'm an avid baker and traveler, always looking for new recipes and places to explore. Music is my jam - I love all kinds! All genres are up for grabs! I'm also Joe's wife, and we share two adorable cats named Sheryl and Lani, whom we rescued last year.

Jessica Colson State Farm Agent Team Member

Jessica Colson

Customer Service Representative

Hello to our Good Neighbors! My name is Jessica. I 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 our customers, I enjoy spending time in the outdoors, fishing, hunting, and camping. Crafting and traveling are two of my other hobbies!

Nicole Jarding State Farm Agent Team Member

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.
Available Positions
Please Note: This opportunity is about potential employment with an independent contractor agent who solicits applications for State Farm products and services, and does NOT result in employment with any of the State Farm Insurance Companies. The employment selection decision , terms and conditions of employment (such as compensation and benefits) are all determined solely by the independent contractor agent.