Joe Ruggiero

Fall in Maryland means back-to-school, cooler weather, and the start of the holiday season. It’s also a perfect time to review your insurance:

• Auto Insurance: Make sure your policy covers teen drivers headed back to school or college.

• Homeowners Insurance: Protect against fall storms and prepare for winter weather.

• Renters Insurance: Many students renting near Towson and Baltimore may need coverage.

• Life Insurance: Fall is Life Insurance Awareness Month — a great reminder to protect your family’s future. If you’re in Owings Mills, Reisterstown, Towson, or anywhere in Baltimore County, reach out today. We’ll help you feel confident your coverage is ready for the season ahead.

Since 2008, I’ve had the privilege of helping families and businesses protect what matters most with the right insurance coverage. Insurance has always been part of my family’s story — my grandfather and father both built careers in this business, and in 2021 I opened my own State Farm agency in Owings Mills, Maryland. Today, my dad and I work together with an amazing team to serve our Good Neighbors across Owings Mills, Reisterstown, Towson, Rosedale, Baltimore, Finksburg, and the greater Baltimore area.

Our agency has been recognized every year with State Farm’s Honor Club and Ambassador Club, which reflects our focus on service, relationships, and doing what’s right for our customers. We love getting involved in local events and being part of this community we call home.

Whether you need auto insurance, homeowners insurance, renters insurance, or life insurance, we take the time to explain your options and tailor a plan to your needs. We also help with business insurance, health insurance, and pet insurance, so you can manage all your protection in one place. Licensed in Maryland, Delaware, Pennsylvania, and Virginia, we’re here to support you through every stage of life — from your first car or apartment to preparing for the years ahead.

Before opening my agency, I earned my Bachelor’s in Business Administration from Towson University. Outside of work, I enjoy traveling with my wife, Tamera, playing music with my band, watching sports, and spending time with our rescue cats, Sheryl and Lani. Since moving to Baltimore in 2010, I’ve loved building relationships with this community — and I’m honored to help protect what matters most to our neighbors.

Searching for auto, home, or life insurance in Owings Mills? Our team is ready to walk you through your options and provide a professional quote.