Office Hours
After Hours by Appointment
Contact me to schedule a virtual meeting
Insurance Products Offered
Auto, Homeowners, Condo, Renters, Personal Articles, Business, Life, Health, Pet
Other Products
Banking, Investment Services, Annuities
Joe Ruggiero
Office Hours
After Hours by Appointment
Address
Owings Mills, MD 21117-3291
Would you like to create a personalized quote?
Would you like to create a personalized quote?
Office Info
Office Info
Office Hours
After Hours by Appointment
Contact me to schedule a virtual meeting
-
Phone
(410) 363-4720 -
Fax
(410) 858-4268
Languages
Insurance Products Offered
Auto, Homeowners, Condo, Renters, Personal Articles, Business, Life, Health, Pet
Other Products
Banking, Investment Services, Annuities
Office Info
Office Info
Office Hours
After Hours by Appointment
Contact me to schedule a virtual meeting
-
Phone
(410) 363-4720 -
Fax
(410) 858-4268
Languages
Simple Insights®
What is the difference between a will and a trust?
What is the difference between a will and a trust?
Wills and trusts are an important part of estate planning. Wherever you are in the planning process, know your options.
Car maintenance tasks you can do yourself
Car maintenance tasks you can do yourself
To combat auto repair costs that keep climbing, some auto maintenance can be done at home. Here are ones that are usually do-it-yourself.
Do you need earthquake insurance if you don't live on the coast?
Do you need earthquake insurance if you don't live on the coast?
According to USGS, various U.S. locations have experienced earthquakes of magnitude four or more in recent years. Earthquake insurance can be valuable to all homeowners.
Social Media
Viewing team member 1 of 8
Kelly Toledo
Account Manager
License #99940117
I’m Kelly, and I’ve been helping State Farm customers in Owings Mills and Baltimore County since 2021. I’m licensed in auto insurance, life insurance, homeowners insurance, and business insurance, and I love problem-solving to find the right plan for each customer. Outside of the office, I enjoy traveling, music, and spending time with my Jack Russell/Pug mix, Suzy.
Viewing team member 2 of 8
Patrick Sise
Account Manager
License #3001519540
Hi, I’m Patrick! Since 2021, I’ve been serving our Good Neighbors with auto, home, and life insurance. I enjoy helping families protect their future with the right coverage. I graduated from Elkton High School and Johns Hopkins Peabody Institute. When I’m not in the office, I’m hiking, playing guitar, or touring with my band.
Viewing team member 3 of 8
Christina Kirkland
Account Manager
License #3002762506
Hello, I’m Christina! Since 2023, I’ve been helping State Farm customers in Owings Mills and Reisterstown with auto, home, and life insurance. I’m bilingual and enjoy supporting our Spanish-speaking community. When I’m not in the office, I’m with my husband and our seven Labradors — or out fishing, baking, and traveling.
Viewing team member 4 of 8
Eddy Litvak
Account Manager
License #3003164960
Hello, I'm Eddy! I’ve been part of the Joe Ruggiero State Farm team since 2023. I help our customers in Owings Mills, Stevenson, and across Baltimore County with auto, home, renters, and life insurance. Outside the office, I play and teach music, enjoy cooking, and love spending time outdoors.
Viewing team member 5 of 8
Chris Cornwell-Shiel
Account Manager
License #3003513025
Hey, I’m Chris! I joined the team in 2025 and love connecting with our Owings Mills and Baltimore-area customers. I help with auto, home, renters, and life insurance, and my goal is to make the process simple and stress-free. Outside of work, you’ll usually find me playing guitar or bass.
Viewing team member 6 of 8
Alexis Garnica
Customer Service Representative
License #3003878338
I’m Alexis, a Chicago native and proud member of the State Farm team. I’ve been working in insurance and customer service for several years, and I really enjoy helping people protect the things that matter most—whether it’s auto, home, or renters insurance. I’m all about making sure you have the right coverage to keep you and your family safe. When I’m not helping customers, you can find me grabbing a bite at my favorite local spot, Jenny’s Steakhouse, or watching football (I'm a Green Bay fan). I’m here to make insurance simple and stress-free for you.
Viewing team member 7 of 8
Christine Kelly
Customer Service Representative
License #3003435124
Hi, I'm Christine! I was born and raised in Anchorage, Alaska and am Indigenous to a small Inuit tribe from the Fish River area. I've worked in insurance for nearly eight years and take pride in delivering exceptional customer service with every interaction. Outside the office, I enjoy playing video games or chess with my boys. I'm a proud mom of three - one starting her master's degree and two active sons - and family keeps me busy and inspired.
Viewing team member 8 of 8
Tamera Atkins
Customer Service Representative
Hi, I’m Tamera! Since 2024, I’ve been supporting our Good Neighbors with life insurance, auto insurance, and renters coverage. My goal is to make every customer feel cared for and protected. Outside of the office, I love baking, traveling, and exploring new music. I’m also Joe’s wife, and together we share two rescue cats, Sheryl and Lani.