BJ Ruis | Agency Owner | Blue Marlin Insurance
Reel in the Right Coverage
Home, auto, flood, boat, umbrella, and commercial insurance — shopped across 30+ Florida carriers so you get the right coverage at the right price.
30+
Top Carriers
5+
Years Experience
FL
Statewide
100% free to you — I get paid by the carriers, not by clients.
Your data is private — no spam calls or emails, ever.
Why Work With BJ
Insurance is one of those things nobody thinks about until something goes wrong — and by then, what matters is whether the policy you bought actually does what you assumed it would. My job is to get that right on the front end, walk you through it in plain language, and make sure there are no surprises later.
As an agency owner, I'm not stuck pitching one company's product. I shop your coverage across 30+ carriers, lay out the real tradeoffs, and stay involved well past closing day — re-checking your renewal, answering the random question a year later, and making sure realtors and lenders never have to chase me down. That's the job, and I take it seriously.
What I Can Help With
Protection for every part of your life
Home Insurance
Protect your biggest asset from fire, storm, theft, and liability with the right policy from Florida's top carriers.
Learn more
Auto Insurance
Competitive rates on personal auto, SR-22, and commercial vehicle coverage — bundled discounts available.
Learn more
Flood Insurance
Florida flooding doesn't just happen in flood zones. Get private or NFIP flood coverage before you need it.
Learn more
Umbrella Coverage
An extra layer of liability protection above your home and auto — for the unexpected that regular policies don't cover.
Learn more
Commercial Insurance
General liability, commercial property, and business auto coverage — protection built around how your business actually runs.
Learn more
The Process
Getting covered is simple
Tell Me Your Situation
New home purchase, renewal, or shopping rates? Fill out the contact form or call — no commitment required.
I Shop 30+ Carriers
I compare options across my full carrier network to find the best coverage at the right price — at no cost to you. Carriers pay me, not clients.
You Get Covered
Choose the policy that fits, sign, and you're done. I'll be your point of contact for the life of your policy.
Reviews
What clients are saying
I had an amazing experience working with Bj Ruis at Blue Marlin Insurance. He went above and beyond to find me great car insurance coverage at a fantastic price. The process was quick, transparent, and stress-free—he explained everything clearly and helped me compare options until I found the perfect fit for my budget. It's rare to find someone who genuinely cares about helping you save money without sacrificing quality coverage. Highly recommend to anyone looking for trustworthy, hassle-free insurance help!
Nicholas DiMare
BJ was very easy to work with. He got me a great policy very quickly. Highly recommend him!
Justin Hanson
Quick and easy to work with! Saved me a ton of money on my car insurance.
Tabatha Weidman
Common Questions
FAQ
Does it cost anything to work with BJ?
No — working with an independent insurance agent is completely free for you. I'm paid a commission by the carrier when a policy is bound. That means you get personalized service, market shopping across 30+ carriers, and ongoing support without paying a cent out of pocket.
What is an umbrella policy and do I need one?
An umbrella policy adds extra liability protection — typically $1M or more — above your home and auto limits. It kicks in when those limits are exhausted. If you have a home, car, pool, or rental property, an umbrella is one of the most cost-effective policies you can buy.
What's the difference between an independent agent and a captive agent?
A captive agent (like a State Farm or Allstate agent) can only quote one carrier. As an independent agent, I shop 30+ carriers on your behalf, which usually means more options and better pricing.
Can you help me if my current carrier is dropping policies in Florida?
Absolutely. Several carriers have reduced their Florida footprint in recent years. I can help you find a stable, A-rated replacement quickly — often with comparable or better coverage.
Do I need flood insurance if I'm not in a flood zone?
Yes — roughly 25% of all flood claims come from outside high-risk zones. Florida's flat terrain and seasonal storms make flooding a very real risk statewide. Private flood policies are often affordable and can be written quickly.
Why are home insurance rates so high in Florida?
Florida's combination of hurricane exposure, litigation history, and roofing costs make it one of the highest-risk property insurance markets in the country. Working with an independent agent like me is key — I shop multiple carriers to find you the best available rate.
How quickly can I get coverage for a home closing?
Often same-day. I'm very familiar with closing timelines and work efficiently with realtors and lenders to make sure coverage is bound before you need it.
Have a question not listed? Ask BJ directly.
Ready to get covered?
Get a free, no-obligation quote in minutes. BJ will shop the market and bring you the best options.