Your child is turning 16, and that means permit tests, practice hours and a big insurance question. This guide breaks down Washington's graduated licensing rules, your options for adding or excluding a teen driver, and what really happens if you do nothing, including carriers who research your household and rate drivers they find at your address. A Kitsap County perspective for local families, from the independent agency serving the community since 1968.

Navigating auto insurance can often feel like an exercise in frustration. If you live in Kitsap County: whether you’re stuck in the Gorst bottleneck, navigating shipyard traffic in Bremerton, or running errands around Silverdale and Poulsbo: you already know how unpredictable Pacific Northwest driving conditions and rising premiums can be. Without the right strategy, you could be leaving hundreds of dollars on the table every single year. At Rubens Insurance, we have been pro

The shaking has stopped, but the work for Washington homeowners is just beginning. Navigating an earthquake insurance claim can feel like a second disaster if you aren't prepared. From immediate safety checks and the 'documentation blitz' to decoding your insurance dec page, this step-by-step guide walks you through everything you need to know 'the day after.' Since 1968 Rubens Insurance has helped neighbors manage the unexpected. Learn how to protect your biggest investment

In Part 3 of our earthquake series, we’re moving from paperwork to power tools. While insurance is your financial safety net for after the shaking stops, retrofitting is what keeps the roof over your head while the ground is moving. Is your home actually ready for 'The Big One'? From foundation bolting to cripple wall bracing, we break down the real costs and safety benefits of seismic upgrades in Washington. Don’t wait for the next rattle, learn how to protect your biggest i

As we approach the end of 2025 & welcome 2026, we want to share our holiday hours & reflect on a year of growth & change. We said farewell to Jennifer as she enjoys time with her grandbabies & welcomed Solveig to our team. 2025 brought continued premium increases across Washington state, but as your independent agent, we actively remarket your policies to find the best rates. Under Ron's leadership, we've expanded our offerings to include home warranties, pet insurance, trave

Importance of having Earthquake insurance in WA state and how Rubens Insurance can help

Insurance is a way to manage risk by purchasing protection against financial losses. Having the right insurance can make a big difference...