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Personal insurance · WA & FL

Personal insurance for Washington and Florida families

Protect the things you've worked for — your car, your home, your belongings, and your financial future — with coverage shopped across multiple carriers.

Your personal insurance should reflect your actual life: the car you drive to work in Tacoma or Tampa, the home you're paying off in Blaine or Boca, and the liability exposure you may not even realize you have. Because Maru is independent, we assemble your personal lines — auto, home, renters, condo, flood, and umbrella — from whichever carriers offer the best combination of price and protection, then bundle them for maximum discount.

Below are the core personal coverages we write every day. Each guide explains what the policy does, what it costs in Washington and Florida specifically, how to choose limits, and the mistakes that leave people underinsured.

Common questions

Do I really need more than my state's minimum coverage?
State minimums keep you legal, not protected. Washington and Florida minimum liability limits are low enough that a single serious accident can exceed them, leaving your assets exposed. We usually recommend higher liability limits paired with an umbrella policy for anyone with savings, a home, or future earnings to protect.
Can I bundle all my personal policies together?
Yes. Bundling home or condo with auto typically saves 10–25%, and adding an umbrella is cheaper when the underlying policies are with participating carriers. We quote bundles automatically so you can see the combined price.

Ready for a quote that actually fits?

Talk to a licensed Maru advisor in Washington or Florida. No pressure, no call-center scripts — just clear options and honest pricing.