• Home
  • Get A Quote
  • Customer Service
  • Refer a Friend
  • About Us
  • Location Map
  • Employee Directory
  • Privacy Policy
  • Contact Us
Call Us CALL US TODAY | 717.653.1816   Mon. - Fri. 8:30am - 5pm
Home
Protecting you since 1935
  • Home
  • Get a Quote
    • Auto Insurance Quote
    • Commercial Auto Quote
    • Farm Quote Request
    • Flood Quote
    • General Liability Quote
    • Homeowners Insurance Quote
    • Motorcycle Insurance Quote
    • Renters Insurance Quote
    • Term Life Insurance Quote
    • Watercraft Insurance Quote
    • Workers Compensation Quote
  • Customer Service
    • Homeowners
    • Automobile
    • Business & Commercial
    • Commercial Auto Insurance
    • Farm
    • Motorcycle
    • Customer Service Forms
    • Customer Service
  • Make a Payment
  • Contact
    • Contact Us
    • Employee Directory
  • Submit a Claim
    • Auto Accident Claim
    • Commercial Auto Claim
    • Motorcycle Accident Claim
    • Property Loss Claim
    • Renters Property Loss Claim
    • Watercraft Accident Claim
    • All Other Claims
Homeowners Insurance HOMEOWNER

A standard policy insures the home itself and the things you keep in it.

Read More
Auto Insurance AUTO

Auto insurance protects you against financial loss if you have an accident.

Read More
Business Insurance BUSINESS

Discover the perfect insurance options to meet your specific and unique needs.

Read More
Farm Insurance FARM

Browse a variety of insurance options in order to find the right one for you.

Read More
Motorcycle Insurance MOTORCYCLE

Learn about different motorcycle coverage options that fit your specific needs.

Read More
Renters Insurance RENTERS

Finding insurance doesn't have to be difficult. We do the work for you.

Read More
Home > Blog
Share | | RSS Google Yahoo

Rutt Insurance Agency Blog

View the latest blog posts from Rutt Insurance Agency.

SUNDAY, MARCH 22, 2026

Tips for a Fun and Safe Easter Egg Hunt

Basket of Easter Eggs

Easter is coming up very quickly.

Are you planning an Easter egg hunt for your family, church, school, or neighborhood?

Whether your Easter egg hunt is inside or outside, keep the fun going and the kids safe with these safety tips.

Inspect the area for potential hazards.

Pick up any objects that may present a tripping hazard.

For inside egg hunts, be aware of electrical outlets, sharp corners, open windows and stairs.

For outside egg hunts, look for holes and uneven ground that could lead to injury.

    Set boundaries to keep the kids in sight at all times and away from unsafe areas.  This includes places that are too high or near streets and driveways.

    Plan to have adult supervision at all times.

    Hide the eggs in safe areas.

For inside hunts, keep eggs away from electrical outlets, plugs, and light sockets.

For outside hunts, keep eggs away from thick or thorned bushes, areas where pesticides have been sprayed and potential areas for bees and snakes.

    Be cautious of food allergies and choking hazards if filling plastic eggs with candy or toys.

    Be cautious of using real eggs. Make sure to take steps to cook them properly, store them properly, and keep them clean.

---Content used in this post is used with permission and was originally published by Goodville Mutual Casualty Company.

Posted 11:18 AM

Tags: homeowners, easter, children

SUNDAY, MARCH 1, 2026

Promote Safety in Workplace with this Guide

Construction SiteEach year, construction related accidents in this country result in approximately 150,000 injuries and more than 1,000 deaths. If your employee has been injured in a work-related accident you may have many questions about how a Workers Compensation Claim is handled, how rates are determined, and how payments are calculated. If our agency has placed your Workers Compensation Coverage, we have WC Specialist to guide you through that process, but the best Workers Compensation Claims advice is prevention. The employer, employee, and insurance company are all in agreement that preventing the claim is in everyone's interest. 

We ask that you please review this resource to learn about common reasons injuries occur, construction site rules and regulations, suggested dress code and safety equipment, common areas/incidences of risk, and a safety checklist.

This year and every year, we wish you and your work family a safe, healthy, and prosperous year.

Posted 6:00 AM


TUESDAY, FEBRUARY 10, 2026

Take the Time to Insure Your Love

Insure Your LoveEach person has a unique reason for getting life insurance, but those reasons can be distilled into one: They love someone and want to make sure they are protected financially. Let us help you ensure that a promise made is a promise kept with life insurance. Click here to request a quote.

Here's to appreciating all the little things we do and those everyday moments that shape our lives and give it meaning. In fact, our days are often filled with simple acts of love, one followed by another, that over time create a better future.

Getting life insurance is like that too. It's a simple act you can take today to ensure your loved ones are protected financially tomorrow. 

It's time to protect those everyday moments with life insurance.

Take a few moments now to see how we can help you protect those you love.

Posted 7:48 PM


SUNDAY, FEBRUARY 1, 2026

A Step-by-Step Guide: What to do after a Car Accident

auto accident

What to Do After a Car Accident: A Step-by-Step Guide

Car accidents are stressful, disorienting, and often happen when you least expect them. Knowing what to do before you’re ever in that situation can make a huge difference — for your safety, your legal rights, and your insurance claim.

If you’re involved in a car accident in Pennsylvania, here’s a clear, practical guide to help you navigate the moments immediately after the crash and the important steps that follow.


1. Prioritize Safety First

The moment an accident happens, your first responsibility is safety.

  • Stop your vehicle immediately and remain at or as close to the scene as possible. Leaving the scene can result in serious criminal penalties.

  • Turn on your hazard lights and, if the vehicle can be moved safely, pull off to the side of the road to avoid further collisions.

  • Check for injuries — yourself, your passengers, and anyone else involved.

If anyone is injured, trapped, or unconscious, call 911 right away.


2. Call the Police When Required

In Pennsylvania, you must report an accident if it involves:

  • Injury or death

  • Significant vehicle damage

  • A vehicle that cannot be safely driven from the scene

Calling the police ensures an official accident report is created, which can be critical for insurance claims and legal matters.


3. Exchange Information — But Don’t Admit Fault

After everyone is safe, exchange basic information with the other driver(s), including:

  • Name and contact details

  • Driver’s license number

  • Insurance company and policy number

  • Vehicle make, model, and license plate

Avoid discussing who caused the accident. Even saying “I’m sorry” can be misinterpreted as an admission of fault later.


4. Document the Scene

If it’s safe to do so, gather as much evidence as possible:

  • Take photos of all vehicles involved

  • Capture damage, skid marks, debris, and road conditions

  • Photograph traffic signs or signals

  • Collect witness names and contact information

These details can be extremely helpful if there’s a dispute about what happened.


5. Seek Medical Attention if Injured

If you experience any physical symptoms following a car accident, it is important to clearly state that the injuries are related to the collision.

When speaking with medical providers or insurance representatives, ensure that the date of the accident and the connection between the accident and your symptoms are properly documented. Accurate reporting helps establish a clear record for insurance and legal purposes.


6. Notify Your Insurance Company Promptly

Report the accident to your insurance company as soon as possible. Stick to the basic facts and avoid giving recorded statements or detailed explanations until you understand your coverage.

Pennsylvania is a no-fault insurance state, meaning your own insurance typically pays for your medical expenses first through Personal Injury Protection (PIP), regardless of who caused the accident.


7. Keep Organized Records

Create a file for everything related to the accident, including:

  • Police reports

  • Photos and videos

  • Medical records and bills

  • Repair estimates

  • Insurance correspondence

Good documentation can save time, reduce stress, and strengthen your position if disputes arise.


Special Situation: Hit-and-Run Accidents

If the other driver leaves the scene:

  • Do not chase them

  • Try to remember or record vehicle details and direction of travel

  • Call the police immediately


Car accidents are never easy, but knowing what steps to take can help you stay calm, compliant with Pennsylvania law, and protected financially. Keeping this guide in mind — or even saving it to your phone — can make a stressful moment much more manageable.

Posted 1:42 PM


THURSDAY, JANUARY 1, 2026

Heating Safety Tips for the Cold Winter Months

small space heaterHeat your home safely this winter with these tips:

  • Keep anything that can burn at least three feet from any heat source, including fireplaces, wood stoves, radiators or space heaters.
  • Install and test carbon monoxide alarms at least once a month.
  • Have a qualified professional clean and inspect your chimney and vents every year.
  • Store cooled ashes in a tightly covered metal container and keep it outside at least 10 feet from your home and any nearby buildings.
  • Plug only one heat-producing appliance such as a space heater into an electrical outlet at a time. 

 

Reduce Risk of Dying in Home Fires with Smoke Alarms

The risk of dying in a home fire is cut in half with working smoke alarms. Keep your family safe with these tips:

  • Install smoke alarms in every sleeping room and outside each separate sleeping area.
  • Install alarms on every level of the home, including the basement.
  • It is best to use interconnected smoke alarms so that when one smoke alarm sounds, they all sound.
  • Test all smoke alarms at least once a month. 

 

Used with permission from Penn National Insurance

Posted 3:25 PM


1 2 3 4 5 6 7 8 9 10 ... Next Last
Blog Archive
  • 2026
  • 2025
  • 2024
  • 2023
  • 2022
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016

  • homeowners(4)
  • summer(2)
  • insurance(2)
  • homeowners insurance(2)
  • holiday(1)
  • personal property(1)
  • vacation(1)
  • disaster(1)
  • winter weather(1)
  • personal(1)
  • collector car(1)
  • sump pump(1)
  • classic(1)
  • safety(1)
  • ice(1)
  • road trip(1)
  • auto insurance(1)
  • children(1)
  • snow(1)
  • emergency(1)
  • easter(1)
  • hurricane(1)
  • rental car(1)
  • grill(1)
  • inventory(1)
  • antique auto(1)
  • winter(1)
  • christmas(1)
  • personal auto(1)
  • auto(1)
  • home(1)

View Mobile Version
 
Goodville Mutual
Carriers
Westfield Logo
 
Carriers
Carriers
Carriers
Carriers

Our Member Associations

Trusted Choice Logo
Keystone Logo
 

Resources

Home About Us Get a Quote Customer Service Refer A Friend Make A Payment Contact Us

Contact Us

Map Icon
  • Agency Location
  • 83 E Main Street
  • Mount Joy, PA 17552
  • O: 717.653.1816
  • F: 717.653.4754
  • E: info@ruttinsurance.com
  • Standard Office Hours: M-F 8:30am - 5pm
  • After-hours Emergency Contact:
  •   Jamie Rutt: 717-575-7711
  •   Dan Davis:  717-265-5287
© Copyright. All rights reserved.