Phil Ruth Insurance

Phil Ruth Insurance Our three passions are Family, Friends, and Community; our mission is to financially protect the first two, so that together we can improve the third.

Making sure you have adequate insurance coverage is key to living a life with peace of mind. That’s why Phil Ruth Insurance is pairing people with insurance plans that better protect their assets. We sell all types of insurance in Marion, OH, including auto insurance, motorcycle insurance, life insurance, and health insurance. Contact us today to get started!

Happy Star Wars Day. May the 4 be with you.
05/05/2026

Happy Star Wars Day. May the 4 be with you.

03/16/2026

Ohio saw a lot of storm damage over the weekend. The storm chasers will be out. Here is some information from the Wayne Insurance Group and the Ohio Department of Insurance. These tips should help you avoid issues when hiring a contractor.

1. Contact your agent or your insurance company to file a claim before hiring a contractor. The company will verify the repairs that need to be made.

2. Make sure the contractor you hire is legitimate. Search for the individual and/or company online and read reviews. Find out if there are complaints against the contractor with the Better Business Bureau and the Ohio Attorney General’s Office. Ask for references.

3. Know the warning signs of a bad business. A reputable business will not pressure you to make a quick decision, and it won’t ask you to pay the entire amount upfront.

4. Don’t pay in full upfront. Pay in installments with a check or credit card to leave a record of your payments. Get an invoice and a receipt.

5. Get an estimate from at least three different contractors. A lower estimate doesn't mean it's the best deal. Make sure the quotes include the same things, and check references.

6. Be cautious about signing an assignment of benefits. This is an agreement a policyholder signs that allows a third party, such as a contractor, to act on behalf of the policyholder. The agreement allows direct payment from the insurance company.

7. Get a written contract. The contract should include every task and repair the contractor plans to make. It should also include start/finish dates and prices for repairs and materials. Don’t sign a blank contract.

8. Obtain the contractor’s essential business information. Before making a hire, get:
-The contractor’s identification with their name and business name.
-A copy of the contractor’s proof of liability insurance. Make sure it shows the person or company’s name, phone number, and policy number. Call the insurance company to verify the coverage.
-A copy of the contractor’s proof of workers’ compensation insurance.

9. Educate yourself about the property damage recovery process and insurance. Visit insurance.ohio.gov and naic.org for information.

Ohioans who believe they've been defrauded by a contractor or encouraged to fabricate an insurance claim should contact the Ohio Department of Insurance at 800-686-1527 or via insurance.ohio.gov.

Courtesy of the Ohio Department of Insurance

02/20/2026

Friday, February 20, 2026
Our internet and phones are sporadic today (that’s a nice way of saying they are barely working).

Please, please, please leave a voicemail if we don’t answer. It probably means the phone never rang.

I’ve reached out to our internet provider.

Thank you.

Delta Theta Sigma - Eta Chapter Cupid Classic Cattle show. Good luck to all the competitors.
02/14/2026

Delta Theta Sigma - Eta Chapter Cupid Classic Cattle show. Good luck to all the competitors.

These AI photos are fun. Both Laney and I look younger…thinner too. Happy Golden Retriever Day!
02/04/2026

These AI photos are fun. Both Laney and I look younger…thinner too.
Happy Golden Retriever Day!

We haven’t had deep snow like this in a few years, so here is a tip for you if your car is stuck in deep snow. Traction ...
01/26/2026

We haven’t had deep snow like this in a few years, so here is a tip for you if your car is stuck in deep snow.

Traction control is designed to stop tires from free spinning and causing you to lose control of your car in slippery road conditions.

What traction control ISN’T good at is getting your car out of snow if you’re stuck. Sometimes, you need to spin tires to get yourself unstuck. That traction control is going to prevent your tires from spinning.

If you are at a standstill in snow, turn the traction control off. Once you get moving, then turn it back on.
There will probably be a button on your dash with some 3 letter abbreviation. Consult your owner’s manual.

Even if you have an AWD or four wheel drive SUV, most of them need to have the traction control off to get through deep snow (at low speed).

Be safe, and only drive if you have to.

01/25/2026

Our office will be closed Monday, January 26, 2026 due to road conditions.

Phone, email, and text will be monitored.

Stay safe, stay warm, and we will be back in the office later in the week.

Thank you!

11/25/2025

Our office will be closed Thursday and Friday of this week (Thanksgiving and Black Friday).

It’s been a couple of years, but here is my advice on frying turkey.

If you've never tried deep fried turkey, you're missing out. As one gentleman first described it to me, "It's so good it'll make you want to slap your momma." Not sure what that means, but it is good.

-The night before I like to brine the bird in a saltwater bath inside a cooler (about 8 hours).
-Prior to filling the fryer with oil (peanut oil is my preferred), place the bird in the pot and fill with water until it just covers the turkey. Remove the turkey and note the level of the water. This is how much oil to use.
-Make sure the bird is fully thawed and dry before frying (pat with paper towels and let it sit at room temperature for about 30 minutes after removing from the brine).
-Set the Fryer away from any structure, at least 10 feet. Never cook inside a garage or barn, and don't cook on your wood deck.
-When windy, I use a partial sheet of plywood held up by two fence T-posts as a wind block. Make sure the plywood can't fall on the fryer.
-I am not a fan of the "Turkey Fryer Derrick" that people build with pulleys, string, and a ladder. I feel you are more likely to knock the fryer over using this contraption. If you are wondering what I'm talking about, google "alton brown turkey fryer". (For the record, I love Alton Brown's cooking shows and his sense of humor, just not the derrick).
-get some leather welding gauntlets or a silicone oven mitt for lowering the bird into the oil. I don't like padded cloth mitts, I feel they are more likely to absorb oil and hold it against your skin in the event of something going wrong.
-Heat oil to 250 degrees and slowly lower the bird into the oil. Continue heating the oil to 350 degrees. Reduce the heat to maintain this 350 temperature.
-Cook about 25-30 minutes and begin checking internal temperature of the breast. Fry until internal temperature has reached 155 degrees (it should continue cooking after removal to about 165. Don't carve until this temperature has been reached).

Some things to keep in mind...
-Peanut Oil smokes at 446 and has a flash point of 633. DO NOT allow it to get this hot.
-If things start to go badly, shut off the propane/heat source.
-This is grease/oil we are dealing with, keep a class B rated fire extinguisher nearby.
-Avoid Alcohol while cooking and heating the oil.
-Keep pets (and kids) inside not only while cooking, but also while the oil cools. It smells delicious to a dog or cat, and they don't realize how hot it is.

This is an insurance page, so here is some insurance information. No turkey fryer (to my knowledge) has ever been cleared by Underwriters Laboratory. If you accidently burn your neighbor's house down, it is a covered liability loss. If you only have $100,000 of coverage, that probably will not be enough to cover the loss. Check those liability limits kids!

Finally, no matter what my cousin Mike says, Pumpkin Pie is delicious and should be enjoyed with real whipped cream.
Have a fun and safe Thanksgiving!

Happy May 4th!
05/04/2024

Happy May 4th!

😂
12/06/2023

😂

🤣❤️🦦

Address

1528 Marion Waldo Road
Marion, OH
43302

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+17409146190

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