What Rubens Insurance can do for you: Why an Independent Agency?

Rubens Insurance storefront

---

When you're considering who to trust with your insurance, it's natural to think a big-name, captive agency might be the safest route. But at Rubens Insurance, we offer something those agencies can’t: choice, flexibility, and a deep commitment to the people we serve. As an independent agency, we aren’t tied to just one, we work with multiple top-rated carriers to find the best coverage options for your unique needs. That means you're not limited to one company’s products or pricing; you get a personalized plan built around you.

We take the guesswork out of comparing policies. Our team will walk you through the different coverage levels, premiums, and benefits so you can make confident, informed decisions. Whether you need auto, home, business, or specialty coverage, we’ll help you build a comprehensive insurance portfolio that balances protection with value. You’ll have a go-to advisor, not a call center, ready to answer your questions, advocate for you, and adjust your coverage as your life changes.

At Rubens Insurance, we’re not just in the community, we’re part of it. We’ve been serving this area for over 50 years, building relationships that go far beyond business. Our team has seen the community grow and change, and we've been right there alongside it supporting local families, businesses, and events. That history gives us a deep understanding of the unique risks and needs our neighbors face. When you work with us, you're choosing a team that’s rooted in the community and genuinely invested in protecting what matters most to you. To meet those needs, we offer multiple types of insurance to build you a complete portfolio.

Types of Insurance we provide

Auto:

Provides financial protection against physical damage and bodily injury resulting from traffic collisions, as well as liability arising from accidents involving the insured vehicle. It typically covers vehicle repairs, medical expenses, and legal fees, depending on the coverage selected. Additionally, auto insurance is a legal requirement in Washington State.

Classic Car:

A specialized type of coverage designed for vintage or classic vehicles. It typically offers agreed value coverage, ensuring the car is insured for its full market value. This insurance often includes benefits tailored to classic car owners, such as coverage for restoration parts and lower premiums due to limited mileage.

Homes, Condos & Manufactured Homes:

Property insurance provides financial protection against damage to a home and its contents due to events such as fire, theft, or natural disasters. It typically covers the structure, personal belongings, and liability for injuries occurring on the property. Home insurance policies vary in coverage limits and exclusions, making careful review essential.

Landlord/Income Property:

A specialized policy designed for property owners renting out residential or commercial spaces. It covers tenant-related damages, loss of rental income, and liability claims. Unlike homeowners insurance, landlord policies focus on the unique risks of rental properties and typically exclude coverage for personal belongings inside the unit. Coverage often includes multiple units or commercial features.

Renters/Tenant:

Provides coverage for personal belongings within a rented property and offers liability protection for on-premises accidents. It protects against theft, fire, and other damages. Bundling with other policies, like auto insurance, can lead to discounts. Even when living with family without paying rent, a renter’s policy can protect personal items and liability. If you have an event an can't live in your residence because of a covered loss renters policy will cover additional living expenses such as rent, hotel, food, utilities, etc. that are above and beyond your normal costs. Renters insurance typically has lower deductibles than homeowners’ policies, making it cost-effective.

Collectibles:

A specialized policy for items like art, coins, vintage toys, or historical artifacts. It offers higher coverage limits and provisions tailored to collectible items, protecting them from theft, damage, or loss. Often beyond what standard homeowners’ insurance provides.

Umbrella:

Provides additional liability coverage beyond your existing home, auto, or other policies. Individuals with significant assets should consider an umbrella policy to protect against lawsuits or claims exceeding standard limits. Underlying insurance (like home or auto) is typically required for eligibility.

Earthquake:

Standard homeowners’ insurance does not typically cover earthquake damage, as earthquakes are considered high-risk events. Homeowners must purchase separate earthquake policies for protection. Washington State is seismically active, making this coverage essential for recovery and rebuilding after a disaster.

Flood:

Flood risk varies by location, making it impractical to include in standard policies. In Washington State, with its varied geography and heavy rainfall—especially in coastal and riverine areas—a separate flood policy is advisable. FEMA offers the National Flood Insurance Program (NFIP) and disaster recovery assistance. Private flood insurance provides flexible and higher coverage options for flood-prone areas.

Toys:

Covers motorcycles, RVs, ATVs, boats, motorized bikes/e-bikes, and more. These policies protect against financial losses from accidents, theft, and damage. Depending on the provider, coverage may include roadside assistance and medical payments.

Commercial:

Protects businesses from various risks, including property damage, liability claims, and employee-related issues. For small businesses, it provides financial security and peace of mind, enabling focus on growth and operations. Common policies include general liability, property insurance, employment practices liability, and cyber liability protection.

Small In-Home Business:

Covers risks often excluded from standard homeowners’ policies. A separate policy addresses coverage gaps, increased liability, business equipment protection, and business interruption or professional liability. It ensures comprehensive protection tailored to home-based business needs.

Pets:

Helps cover unexpected veterinary expenses, ensuring you can provide optimal care without financial strain. It's best to obtain pet insurance when your pet is young and healthy to benefit from lower premiums and shorter waiting periods. Early enrollment also avoids exclusions for pre-existing conditions.

Life:

Provides a monetary benefit to designated beneficiaries upon the insured’s death, helping cover funeral expenses, debts, and loss of income. It's advisable to purchase life insurance when you have dependents or significant financial responsibilities, ensuring loved ones are protected.

Dental & Vision:

Dental insurance typically covers preventive services (e.g., cleanings, exams) and a portion of restorative procedures like fillings or crowns. Vision insurance includes eye exams, glasses, and contact lenses, often with a focus on preventive care.

Identity Theft Protection & Credit Monitoring

This policy helps cover the costs associated with restoring your identity after fraud, such as legal fees, lost wages, and credit repair services. It also includes tools to monitor your credit and alert you to suspicious activity. This type of policy adds an extra layer of financial security in an increasingly digital world where identity theft is a growing risk.

Vehicle Extended Service Contracts

helps cover the cost of repairs and breakdowns that occur after your manufacturer’s warranty expires. It’s a smart way to protect yourself from unexpected expenses and keep your car running smoothly for the long haul. For many drivers, it offers peace of mind and budget-friendly protection against costly surprises.

Home Equipment Breakdown Service Contract (Home Warranty)

covers the repair or replacement of major home systems and appliances, like your furnace, air conditioner, or refrigerator, when they fail due to mechanical or electrical issues. It picks up where your homeowners insurance leaves off, protecting you from sudden, expensive repair bills. It’s a practical way to keep your home running smoothly without unexpected financial stress.

Special Event/Wedding/Vendor Insurance

is for individuals or businesses offering services or products at events, markets, or on client property. It protects you if someone is injured or property is damaged as a result of your operations. Many venues require it, and having this coverage shows professionalism while keeping your business protected.

and More

Individual jewelry policies, Kidnap & Ransom Insurance, Volunteer Liability Insurance, Drone Insurance, Travel Insurance with "Cancel for Any Reason" (CFAR), Short-Term Rental (Airbnb) Host Insurance, Hole-in-One Insurance, Livestock Insurance, Key Person Insurance for Small Businesses, Equipment Floaters, Reputation Management or Brand Recovery Insurance, etc.

Our experience and history in this community have enabled us to adapt and evolve in response to the changing dynamics, ensuring that we remain relevant and responsive to the community's evolving needs. Through our enduring presence, we have become more than just a business entity; we have become a trusted partner and a familiar face in the community. Our longevity speaks to our dedication, reliability, and unwavering commitment to serving and supporting the local community in every way possible.