Independent insurance · Coeur d'Alene · est. 2024

One unbroken line, from quote to claim.

Osprey is a first-generation independent agency drawn deliberately simple: auto, home, renters, life, and the toys, quoted across 18 carriers — with one person holding the pen the whole way.

18 carriers1 agent, start to finishLicensed ID · WA #127903
No. 1 — The Osprey · one lineLake Coeur d'Alene
The collection

Coverage, drawn in single strokes.

Six lines of business, each one an unbroken line — because a policy should be something you can follow end to end. Tap any drawing to watch it drawn again.

No. 2
Auto — "The Elk"

Because Highway 95 has locals.

Every driver and vehicle on one renewal, quoted across 18 carriers — with comp & collision priced for the actual hazards out here, antlered and otherwise.

tap drawing to redraw
No. 3
Home & renters — "The Cabin"

Replacement cost, forest-edge honest.

Wildfire and snow-load reality checked on every homeowners quote. Renting for now? Everything you own from about $12 a month.

tap drawing to redraw
No. 4
Fun vehicles — "The Cutthroat"

Boats, sleds, and everything towed.

Agreed value on the hulls and hoods, trail and on-water liability, and layup rates for the months under a tarp. One bundle, one bill.

tap drawing to redraw
No. 5
Life & umbrella — "The Pair"

The quiet lines that hold everything.

Term life sized to the mortgage and the kids, quoted in ten minutes. Umbrellas from $1M layered over the lot, for less than you think.

tap drawing to redraw

18 carriers, shown honestly

The comparison is the product. You see every real number, including the quotes we lose.

Plain English, out loud

Every exclusion read and explained before you sign. If it can't be said simply, it isn't sold here.

No loyalty tax

Renewals re-shopped against the market automatically, every year, without being asked.

Dane Ruiz, founder of Osprey Insurance
The hand holding the pen

Dane Ruiz. First agency. Every line his own.

Osprey opened in 2024 with no inherited book and no shortcuts — after Dane spent nine years watching brokerage clients get handed between departments like paperwork. Here the line never breaks: the person who quotes you across 18 carriers is the person who reads you the exclusions, and the person standing in your driveway when the fir comes down. That's the drawing. That's the whole drawing.

2024 — first stroke 18 carriers 9 yrs brokerage-side ID · WA licensed

"Dane put eight quotes side by side, crossed out the two that penalized our roof age, and explained the rest in fifteen minutes. Cleanest insurance experience I've had in forty years."

— R. Halloway · Coeur d'Alene

"Bought the boat on a Friday, texted Dane from the dealer lot, insured before the trailer hit the driveway."

Request a quote

Start the line.

Received — Dane replies within one business day.

Or call direct (208) 555-0122
Studio
810 E Sherman Ave, Coeur d'Alene, ID 83814
Hours
Mon–Fri 8:30–5:30 · claims any hour
Licensed
Idaho & Washington · #127903
Call Dane Request quote