Yes. All policies written by Ruly Insurance Brokerage are serviced by our Agents or Customer Service Team. You will have a dedicated team any time you need it.

Yes, most dealerships will require an ID Card to purchase a new car. Any current ID card will usually work, since standard auto policies extend coverage to a newly purchased vehicle at the highest level of coverage already on the policy. For example, if your policy only carries liability, only liability extends to the new car. Let us know when you buy so we can add the vehicle and send you an updated ID card. We recommend confirming with your dealer if they want to see updated coverage.

An independent agency isn't tied to one insurance company. Ruly Insurance Brokerage is appointed with several carriers, so we can compare options from more than one company and recommend coverage that fits you. A captive agent can only offer one company's products. Once you choose a policy, we stay your point of contact for service and questions.

No. Ruly Insurance never charges a fee. You pay the premium charged by the insurance company, we're paid a commission by the carrier you choose, and there's no charge for a quote. On rare occasions a policy is written through a managing general agency (MGA) or a non-admitted carrier, and that company may charge its own fee. If so, we'll tell you before you buy.

We work with a wide range of national and regional carriers. Our core personal lines carriers are listed on our Carriers page, and our market reach extends well beyond that list. Availability depends on the type of coverage, the state and the property or vehicle being insured.

• Personal: home (primary, secondary and lake homes, rentals including short-term rentals, manufactured homes), auto (standard, non-standard, business use), motorcycle, RV, ATV, collector and antique vehicles, boats and watercraft, renters, umbrella, pet and life insurance.

• Business: general liability, commercial property, commercial auto (including fleets), workers compensation, cyber, professional liability, EPLI, inland marine, commercial umbrella, builders risk and bonds. Farms are also considered.

We're based in Kansas City and licensed in Kansas, Missouri, Nebraska and Texas. Life insurance is offered to Kansas and Missouri residents.

Tell us what you'd like quoted using our online personal or business quote request, or call us. We collect the basics first. Then we check the details with tools like county records, listing data, satellite imagery and carrier underwriters so the quote is as accurate as possible. We quote across our carriers and send you the options that fit the coverage you need. After that, we're happy to adjust coverages, deductibles and endorsements. Only one agent will contact you, using the contact method you prefer. If you'd rather do it yourself, you can use our self-quote portal and reach us whenever you want help.

• Home and auto: names and dates of birth for drivers and household members, the property address, vehicle year, make and model, and your current policy's declarations page if you have one. Driver's license numbers and VINs aren't required for a preliminary quote; carriers can often find them in their reports.

• Business: a description of the business and its operations, years in business, revenue and payroll estimates, employee count, vehicles and any current policies.

If you forget something, email it to Coverage@rulyins.com and we'll match it to your request by email address.

Our standard turnaround for personal insurance is 24 to 48 hours. That gives us time to research options across our carriers. Need it the same day? Say so in the "Additional Information" box and we'll do our best to speed it up. Business quotes often take longer because they depend on carrier underwriting.

Yes. Many carriers offer a multi-policy discount when home and auto (or renters and auto) are placed together. Bundling isn't always the lowest total cost, though, so we can quote both ways and show you the difference.

Usually, yes. You don't have to wait for renewal. We'll quote your coverage and set a start date for the new policy. Keep your current policy active until the new one is in effect so there's no gap. Your current insurance company decides how any refund of unused premium is calculated. If you have a mortgage, we'll send the new policy information to your lender.

Email Service@rulyins.com or call (913) 229-6222 with the request and the name and address of the lender or other party (and the loan number for a mortgage). We'll send them proof of coverage, add them to the policy as needed and send you a copy. Current clients can also download ID cards and view their policies in our Client Center. It's a simplified portal; your carrier's website has more detail.

During business hours, call us at (913) 229-6222, email Service@rulyins.com or use our claim form, and we'll help you report it to your carrier. Submitting the form doesn't file the claim automatically. We'll review it and contact you before we submit it. For an after-hours emergency, contact your insurance company's claim line directly; the number is on your ID card or policy. For roadside reimbursement, upload your paid receipt on the claim form and we'll send it to your carrier.

Personal injury protection (PIP) pays certain medical and related costs after an auto accident, no matter who was at fault. Kansas requires PIP on auto policies; a motorcycle owner may reject it in writing. Kansas minimums include at least $4,500 in medical expenses, $4,500 in rehabilitation, lost income of up to at least $900 a month for one year, $25 a day for services you can't perform, and $2,000 for funeral expenses (K.S.A. 40-3103). Missouri doesn't require PIP. Ask us about medical payments coverage, which is optional there.

• Missouri: uninsured motorist (UM) coverage is required at the 25/50 bodily injury minimum on personal auto policies and can't be rejected at that level (RSMo 379.203). Underinsured motorist (UIM) coverage isn't required, but we recommend discussing it.

• Kansas: UM is required at the same limits as your bodily injury liability coverage, and it includes underinsured motorist coverage. You can reject in writing only the amount above the 25/50 minimum (K.S.A. 40-284).

Both states require at least 25/50/25 liability limits. We can walk you through choosing limits higher than the minimum.

Brody Ruley is a RamseyTrusted® agent. To Brody, it "stands as proof of our long-standing commitment to our clients." Our Ramsey clients get the same service as every client: one agent, quotes across our carriers and help whenever you need it.

• Hours: Monday–Thursday 8 AM–5 PM and Friday 8 AM–12 PM (Central).

• Phone: (913) 229-6222

• New quotes: Coverage@rulyins.com

• Service and claims: Service@rulyins.com

• Office: 7280 NW 87th Terr, Suite C-210, Kansas City, MO 64153. Office visits are by appointment only, since the office is in a secured shared building.

• Policy changes: current clients can also use the Service page. Changes aren't final until we confirm them.