Personal Insurance

Insurance helps you protect the things that matter most.

Ohlert-Ruggiere, Inc. offers a complete analysis of your insurance needs with a focus on risk management.

We will:
  • Design a responsible protection program for you
  • Select the company or companies best suited to your needs
  • Present you with a competitively priced proposal
  • Move quickly to get a fair and prompt settlement of your claims
  • Periodically review the adequacy of your insurance program

Homeowners Insurance

Homeowners Insurance

Your most valuable asset needs the proper coverage. Homeowners insurance offers protection for your home and its contents. Standard policies also cover legal responsibilities in the event you or a family member are held liable for injuries to others or damage to their property. Homeowners policies cover many but not all perils so it’s important to make sure that you have all the coverage that is appropriate for you.

Flood Insurance

Standard homeowners policies do NOT cover flooding. A separate flood insurance policy covers owners from water damage to the structure and/or contents of their property. Flood policies are federally regulated so that the same policy costs the same amount in every company. Flood policies have a 30-day waiting period so contact us now for a quote.

Umbrella Policies

Umbrella insurance offers coverage beyond the limits of your home and auto insurance. The additional coverage provided by liability insurance is invaluable to those who own a lot of assets and are at significant risk of being sued. Umbrella policies can also cover incidents involving libel, slander, character defamation, privacy invasion, and false arrest.
Auto Insurance

Auto Insurance

Auto insurance is required in New York State. Accidents can happen at any time. In the event of an accident, a good auto policy can save you money on repairs, legal responsibilities, and medical coverage for you and your passengers. Motorcycle and Boat Insurance is also available!

Other types of insurance we offer include:
  • Dwelling Insurance
  • Renters/Apartment Insurance
  • Condo/Co-op Insurance
  • Boat Insurance


Submit a Quick Quote Request Today!

Independent Insurance Agent

We are an Independent Insurance Agent

We do not work for an insurance company – we work for you!

We represent a carefully selected group of financially sound, reputable insurance companies and we place your policy with the company offering the best coverage at a competitive price. We work on your side when you have a loss and follow though to see that you get the compensation you deserve.


Met Life
Lancer Insurance
Interboro Insurance
Country Wide Insurance
Liberty Mutual
CNA Surety
Mountain Valley
Adirondack
ShelterPoint Insurance
Travelers
NYCM
The Andover Companies
Narragansett Bay Insurance Company
Mapfre
Progressive
Am Trust
Nationwide