Insurance without the runaround
Clear recommendations. No pressure. Because I'm independent, I compare the carriers I represent and recommend what actually fits you — not the policy that pays the most.
Clear recommendations. No pressure. Because I'm independent, I compare the carriers I represent and recommend what actually fits you — not the policy that pays the most.
From your first car to your growing business, we place the right protection with the right carrier — and re-shop it as your life changes.
Liability, collision, and full coverage tuned to WA and FL roads and rules.
Explore auto coverageProtect your house, belongings, and liability — with wind and flood guidance.
Explore home coverageAffordable protection for your stuff and liability, often under $20/month.
Explore renters coverageHO-6 coverage that fills the gaps your HOA master policy leaves behind.
Explore condo coverageNFIP and private flood options for Florida and Washington flood zones.
Explore flood coverageExtra $1M+ of liability that sits above your auto and home policies.
Explore umbrella coverageGeneral liability, BOP, workers comp, and commercial auto for local businesses.
Explore business coverageTerm and permanent life to protect the people who depend on you.
Explore life coverageCity and county coverage guides for Washington and Florida.
Explore by coverageA captive agent — the kind who only sells one company's policies — can only offer you that company's price. When your rate jumps at renewal, they can't do much about it. As an independent agency, Maru represents many carriers. When one raises rates, we re-shop and move you to a better fit. That's the difference between a policy that's sold to you and coverage that's built around you.
Insurance is regulated state by state. What protects a home in Blaine is not what protects a home in Miami. We know both.
From Puget Sound windstorms to wildfire smoke in the Cascades and earthquake risk along the I-5 corridor, Washington homeowners face perils that standard policies handle unevenly. We help you close the gaps — including earthquake and flood endorsements most carriers leave off by default.
Washington coverage guideHurricane wind, flood, and one of the most challenging homeowners markets in the country make Florida a state where an independent agent earns their keep. We navigate Citizens, private carriers, separate wind and flood policies, and the mitigation credits that lower your premium.
Florida coverage guide
Hi, I’m Vadim, founder of Maru Insurance. I started this agency because I was tired of watching families and small-business owners get sold a single company’s policy and left to fend for themselves at renewal. When you work with Maru, you work with me directly — I shop your coverage, explain your options in plain English, and pick up the phone when you have a claim.
I hold active resident licenses in both Washington (WAOIC #1365574) and Florida (License #G363233) and I’ve built deep expertise in the very different risks each state faces — windstorm, wildfire, and earthquake in the Pacific Northwest; hurricane, flood, and a brutal homeowners market in Florida. Whatever you’re protecting, you’ll always get honest guidance and a genuine advocate.
Getting started takes just a few minutes, and you always know the next step.
Send the short form or call. No lengthy applications, no obligation to buy.
A quick conversation about your home, vehicles, business, or family — whatever you need covered.
I shop the carriers I represent and bring back the two or three that genuinely fit on price and coverage.
Pick the option you like. I handle the paperwork and make sure your coverage is in place.
At renewal and at claim time, you reach me — and if a better option appears, I’ll bring it to you.
A straightforward promise, whether you're insuring your first apartment or your growing business.
We recommend what fits your situation — including telling you when you need less coverage, not more.
You reach a licensed advisor who knows your policy — not a call center or a phone tree.
I know Washington and Florida coverage rules, endorsements, and credits — and I review your policy at renewal.
Licensed & independent
Maru Insurance is an independent agency licensed in Washington (WAOIC #1365574) and Florida (License #G363233), National Producer Number 22261820. You can confirm any license directly with the Washington OIC and the Florida DFS. No inflated claims, no fake reviews — just credentials you can check.
More questions? See the Florida insurance FAQ and the Washington insurance FAQ.
Talk to a licensed Maru advisor in Washington or Florida. No pressure, no call-center scripts — just clear options and honest pricing.