Homeowners Insurance

When most people hear the word "insurance" they think of their cars, but in many cases their home is the most important and expensive piece of property they own. Ruoff Insurance offers a variety of comprehensive homeowners insurance policies that can be tailored to suit your individual needs and budget.

Discounts & Credits


Ruoff Insurance offers a variety of optional coverages to meet your individual needs and these can be added to your homeowners policy by endorsement for a minimal additional premium.

Expanded Endorsement

You can increase the special amounts listed under the personal property coverage section of your policy.

Enhancement Endorsement

This endorsement increases the special amounts to even higher limits and includes additional benefits including payment for direct loss caused by water or sewage that backs up through sewers or drains, payment up to an additional 10 percent of the amount on dwelling coverage for loss to trees, shrubs, plants and lawns on the residence premises and waiver of deductible shown on the policy declaration page for any loss from covered peril exceeding $50,000. ex. earthquake coverage, nurse's professional liability, personal computer coverage, and/or replacement cost on personal property.