Auto
Massachusetts auto policies with competitive rates and the discounts you qualify for — including multi-car, clean record, and bundling.
- Liability
- Collision
- Comprehensive
- SR-22
- Free quote No obligation
- Independent agent Multiple top-rated carriers
- Latina-owned Proudly woman-led
- You reach Ruby Every call, every time
01 / Coverage
What Ruby covers for you
Four lines of coverage, one agent on the other end of the phone. I run your quote through several top-rated carriers so you can see a side-by-side comparison. It's about making sure your family is protected by the best, at a price that's fair.
Home
Homeowners, condo, and landlord policies. We walk through what's actually covered — and what isn't — before anything goes wrong.
- Homeowners
- Condo
- Landlord
- Flood
Renters
Renters insurance protects your belongings — and you — when something goes wrong. Affordable coverage for apartments, condos you rent, and shared housing across Massachusetts.
- Personal Property
- Liability
- Loss of Use
- Theft
Business
General liability, commercial auto, and BOP coverage for small businesses across Massachusetts — from restaurants to contractors.
- General Liability
- Commercial Auto
- BOP
- Workers' Comp
02 / About
A letter from Ruby
Ruby Baez
Lawrence, MA
Hi, I'm Ruby. I grew up in this community, and I built Ruby Insurance Agency for the neighbors, families, and small business owners who deserve an agent they can actually reach—someone who listens, understands your concerns, and gives you a straight answer every time.
I speak English and Spanish fluently. We can sit down, talk about your policy, and figure out what's right for your family in whichever language feels most like home.
If you're already insured with someone else, switching is easier than people think. I'll handle the paperwork to cancel your current policy and coordinate the new one so there's no gap in coverage — you don't have to make any calls or fill out anything you'd rather not.
Most of what I do can happen virtually—phone, WhatsApp, or email—so getting a quote or handling your policy rarely means taking time off work. When you want to meet in person, just reach out and I'll schedule a time with you personally. Walk-ins are always welcome during business hours; I make it a priority to give every person who walks through my door my full, undivided attention.
— Ruby
03 / Reviews
Trusted for years.
Verified Google reviews. Read more at the link below.
From Google 5.0 averageLlevo mas de dos años siendo su cliente y siempre me ha apoyado bastante en todo lo relacionado con mi seguro de mi vehículo ademas cuando tuve mi accidente ella siempre estuvo ahi para mi la recomiendo al 100
Robert R.
May 2026
Ruby great known her for years and I wouldn't want or trust anyone else handling my insurance.
Kelly Paulino
April 2026
I've been working with her since 2024, and she has been wonderful in helping me with all my business insurance needs. She is honest and doesn't cut corners just to make a sale, which I really appreciate. It's comforting to work with someone so knowledgeable and trustworthy.
Almonte Packing
February 2026
Excelente, Ruby me resolvió muchos problemas de seguros y un mejor precio
Nelson F.
April 2026
05 / Start here
Let's get you a quote.
Most quotes come back within a few hours — sometimes within minutes. Fill out the form, or reach out the way that's easiest for you.