Patty Ruiz

Your local Farmers Insurance agent. Serving the Eastlake, San Miguel Ranch, Rolling Hills, Otay Ranch, and surrounding areas since July 2006.

Weekend by appointment only.//SE HABLA ESPANOL

Disclosure: farme.rs/disclosure

01/11/2024

You’re excited. You’re scared. And, truth time, maybe you don’t know what “replacement value” means. Buying a new home is BIG and making sure you have the homeowners insurance that is right for you can feel daunting. I’m happy to answer your questions.

01/11/2024

High-ticket purchases are exciting. Keeping track of your receipts and taking photos of your new things is not — but it’s important, in case you ever needed to file a claim.

01/11/2024

If a new kitchen, bathroom makeover or another renovation is in your near future (think 2024), don’t forget to put “check my policy” on your to-do list along with “pick tile” and “shop appliances.” Remodeling projects can bump up your home’s value — and could shift your coverage needs. Call me to find out how your plans could affect your coverage needs.

11/28/2023

Life insurance is often overlooked as an option when individuals consider giving to charities, but it can be a way to provide a charity with funds in the future. If philanthropy has been a way of life for you, let’s discuss ways for your legacy of giving to continue after you are gone.

11/25/2023

Mom and Pops. Corner stores. Twee boutiques. Small businesses make our communities hum. Today’s the day to celebrate — and shop — local. It’s Small Business Saturday.

11/22/2023

Stuffing or dressing? Pumpkin or apple? These are questions we can answer. Today, let the other big decisions go – and have a Happy Thanksgiving.

11/16/2023

This season of gratitude reminds us to appreciate the moments we have together. Life insurance can help ensure that those moments can continue even if the unexpected happens.

11/14/2023

Keep your business fresh as a daisy. If a power outage or busted refrigeration system (or other mechanical breakdown) could spoil your inventory, we offer coverage that can help you get up and running again. Call me to learn more.

11/11/2023

Veterans Day honors all who have served. November 11 is your day, and we thank you for your service.

11/09/2023

Hitting the road for the holiday? Check your oil, tires and emergency kit before you buckle up.

11/02/2023

Don’t let one bad apple spoil your business. A Farmers business policy can help you recover from employee theft and other losses caused by a dishonest worker. Call me to learn more.

10/31/2023

Happy Halloween, everybody! Here’s an important question: Costume or candy — which is the most important?

10/29/2023

Grumpy cats! Zoomie cats! Fat cats! Cats in shark costumes! The best thing the internet ever gave us? Cat memes. What’s your favorite? And happy National Cat Day.

10/24/2023

Does your business have an iconic, instantly-recognizable sign out front? You can cover outdoor signs with a business insurance policy. Call me to learn more about this and other coverage to help you keep your business up and running.

10/18/2023

If windows are the eyes into the soul of a brick-and-mortar shop, a broken window — think: vandalism, a break-in or storm — could be a black eye for your business. Call me to learn more about tenants exterior glass coverage in a Farmers business policy.

10/16/2023

It’s National Teen Driver Safety week, so if your teen gives you nothing but [eyeball roll emoji] when you talk about safe driving, consider this: it’s not what you say, it’s what you do. Put the phone down and keep your eyes on the road when you’re driving.

10/12/2023

Life insurance can play a major role in estate planning, from things such as helping your beneficiaries cover your final expenses, estate taxes, or to leaving a potential nest egg for your children. I’m here to help you get started.

10/10/2023

Ahhh, autumn leaves. They blaze, they amaze. And then they fall and gum up your gutters, just in time for the rain and snow. Cleaning clogged gutters now can help prevent damage to your roof and home this season.

10/05/2023

Fall encourages us to embrace change and make positive transformations. Thinking about life insurance to include in your estate plan can be a proactive step in helping you to protect your legacy and make a financial impact for future generations.

09/27/2023

Dropoffs, pickups, rides to practice — back to school means more driving, more traffic and more kids in crosswalks. It’s a good time to pay special attention when driving near schools, bus stops and intersections with crossing guards.

09/21/2023

Let’s talk about plumbing. Specifically: the pipes, drains, septic system or sump pump that help you keep your business clean and comfortable for customers. Adding coverage specific to sewer and drains to a business policy could help spare you a financial mess. Call me to learn more.

09/19/2023

Life insurance isn’t just for older generations. In fact, getting coverage earlier in life can be more affordable than you may think. Don’t delay helping to protect your family’s financial future. Let’s talk today about your options.

09/15/2023

In honor of National Hispanic Heritage Month, we celebrate Hispanic and Latino Americans for their many contributions to our nation’s history and culture.

09/13/2023

The increase in life insurance ownership is a small but important step towards greater financial security for families in the U.S. Now may be the time to explore life insurance options to help you financially protect your loved ones.

09/12/2023

Word of the Day: bailee — a person or business given temporary custody of someone else’s property.
Whether you’re in the business of cleaning, repairing, transporting or storing items, customers leave important belongings in your care. What happens if a storm, vandalism or other loss impacts their property? Let’s talk about bailee property coverage for your business.

09/07/2023

Consumers generally overestimate the cost of life insurance. Did you know that life insurance can be more affordable than you think?

09/05/2023

What’s your evacuation plan? Do you have a disaster supply kit or bug-out bag? For National Preparedness Month, think about what you need to have, do and know for your family — and furballs — in case of an emergency. Make A Plan | Ready.gov

09/03/2023

We may associate Labor Day with the unofficial end of summer (sigh), but the holiday stems from the late nineteenth century labor union movement and their efforts to honor American workers. The first celebration took place in New York City in 1882.

09/01/2023

This , there are many reasons why to consider getting life insurance. Here are 4 more reasons we can discuss together.

08/29/2023

Do you live or drive near a school zone? Keep an eye out for kids crossing streets and parents making oddball U-turns and harried parking moves at pick-up and drop-off times.

Address

2568 Waterline Way
Chula Vista, CA
91914

Telephone

+16194827011

Website

http://www.farmersagent.com/pruiz

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This #LIAM, there are many reasons why to consider getting life insurance. Here are 4 more reasons we can discuss together.

Good things come in small packages, like available cash value from a life insurance policy. Unwrap your legacy.

Saving for a rainy day down the road? Save smarter with a mutual fund. Want to learn more? Call me.

Did you know you can invest in a mutual fund and use the money you earn over time for an emergency or rainy day? It’s true. I’m here to help you make dollars and cents out of planning for whatever the future throws your way.

How can Farmers® make your next vacation even more relaxing? By providing coverage for your personal property through your homeowners insurance policy, no matter where you are in the world. Want to learn more? Call me.

Trying to figure out your finances for the coming new year? Start by talking to me your Farmers Insurance and Financial Service Agent. We can offer a second pair of eyes to help review your needs and help you map out your goals. Interested? Give me a call.

Only 39% of individuals in the U.S. say they don’t feel confident they can rebound financially from a natural disaster. As recognize the end of National Preparedness Month, let’s help make sure you feel prepared. Call me to discuss your options.

We insure lots of things in life, from homes to cars. But what about the things that really matter? Spend some time thinking about more ways to provide for your family. And if you don’t know where to start, I’m happy to help. Give me a call.

I want to remind you that pricey items, like a high-end camera, may exceed the limit of your homeowners policy. Consider supplementing your policy with additional insurance, called a floater. Items of sentimental value, like your "collection" of ironic T-shirts (although important), can be handled by your general content limits.

55% of small businesses get hacked. As a small business owner myself, I just want to remind you to stay on top of your security. And yes, that includes changing your password to something that's not your pet's name. Call me to explore some policies for even more protection.