# RUC Insurance Agency

> Independent insurance agency in Moreno Valley, CA, representing 100+ carriers. Offers personal and business insurance with 40 years of hands-on agent guidance. Licensed in California, Arizona, Nevada, and Texas.

RUC Insurance is a family-owned independent agency founded by Steve Nichols, now also run by Jared Nichols. Unlike single-carrier or online-only providers, RUC shops rates across 100+ insurance companies to find coverage suited to each client's situation, and stays involved after the sale — helping with claims, renewals, and questions. The agency reports a 92% client retention rate and serves individuals, families, and businesses across Moreno Valley, Riverside County, and beyond.

## Products
- [Auto Insurance](https://www.areyoucoveredinsurance.com/coverage/auto/)
- [Motorcycle Insurance](https://www.areyoucoveredinsurance.com/coverage/motorcycle/)
- [Business Insurance](https://www.areyoucoveredinsurance.com/coverage/business/)
- [Commercial Auto Insurance](https://www.areyoucoveredinsurance.com/coverage/commercial-auto/)
- [Workers' Compensation Insurance](https://www.areyoucoveredinsurance.com/coverage/workers-comp/)
- [Homeowners Insurance](https://www.areyoucoveredinsurance.com/coverage/homeowners/)
- [Flood Insurance](https://www.areyoucoveredinsurance.com/coverage/flood/)
- [Mobile Home Insurance](https://www.areyoucoveredinsurance.com/coverage/mobile-home/)
- [Renters Insurance](https://www.areyoucoveredinsurance.com/coverage/renters/)
- [Life Insurance](https://www.areyoucoveredinsurance.com/coverage/life/)
- [Medicare](https://www.areyoucoveredinsurance.com/coverage/medicare/)
- [Recreational Vehicle Insurance](https://www.areyoucoveredinsurance.com/coverage/rec-vehicles/)

## Get a Quote
- [Instant Insurance Quote](https://www.areyoucoveredinsurance.com/instant-insurance-quote/)
- [Get a Quote (general)](https://www.areyoucoveredinsurance.com/get-a-quote/)
- [Contact Us](https://www.areyoucoveredinsurance.com/contact-us/)

## Company Info
- [About Us](https://www.areyoucoveredinsurance.com/about-us/)
- [Locations](https://www.areyoucoveredinsurance.com/locations/)
- [Staff](https://www.areyoucoveredinsurance.com/staff/)
- [Testimonials](https://www.areyoucoveredinsurance.com/testimonials/)
- [Carriers](https://www.areyoucoveredinsurance.com/carriers/)
- [Blog](https://www.areyoucoveredinsurance.com/blog/)
- [Refer a Friend](https://www.areyoucoveredinsurance.com/refer-a-friend-2/)
- [Privacy Policy](https://www.areyoucoveredinsurance.com/privacy-policy/)
- [Español (Spanish site)](https://www.areyoucoveredinsurance.com/es/)

## Contact
- Address: 14420 Elsworth Street, Suite 111, Moreno Valley, CA 92553
- Phone: 951-653-2619
- Fax: 951-653-1459
- [Facebook](https://www.facebook.com/RUCInsurance)