Value of independent agents

Why choose a local independent agent?

About Us


We pride ourselves on being an Independent Insurance Agency and this is why:

Independent Insurance Agents and Brokers - represent an average of eight insurance companies and research these firms to find you the best combination of price, coverage, and service. 

                     -Captive Agents- sell you the insurance of only one company.

                     -Telephone Representatives- offer the insurance of one company, and only on the telephone.

Your Independent Insurance Agent or Broker: 

-Is a licensed professional with strong customer and community ties.

-Gives you excellent service and competitive prices because your agent can access the insurance coverage from more than one company.

-Unlike other agents, is not beholden to any one company, thus you don't need to change agencies as your insurance and service needs change.

-Assists you when you have a claim.

-Is your consultant, working with you as you determine your needs.

-Offers you a choice of insurance plans and programs.

-Is a value hunter who looks after your pocketbook in finding the best combination of price, coverage and service.

-Offers one-stop shopping for a full range of products-home, renters, auto, business, life and health.

-Can periodically review your coverage to keep up with your changing insurance needs.

-Treats you like a person, not just another number.

-Customer satisfaction is the key to an independent agent's livelihood. That said, serving you is your independent agent's most important concern.


Robert Totsky Insurance has been serving the Southern Arizona Community for over 30 years. As an Independent Agency, we strive to provide quality products and personalized services. RT Insurance prides itself on offering products from nationally recognized, well respected companies. The agency, with its staff of experienced agents, offers excellent claims service and consultation for all your insurance needs.

We are an independent, Full Service Insurance Agency with over 30 years of experience in the insurance industry. We offer Life, Health, Auto, Homeowners, Annuities, Business, Bonds, and Mexican Auto Insurance. For our senior clients, we specialize in: Medicare Supplements, Long Term Care, Home Health Care, Annuities, and Final Expense Insurance. We're dedicated to providing excellence in customer service. Are you an Arizona Good Driver? Not only could you save money with our agency, you will get the most professional staff in Tucson!

I began my insurance career in 1973 providing Arizona seniors with Medicare Supplement Insurance and related insurance products through United American Insurance Company. The next 10+ years I spent with Prudential and Allstate providing Property & Casualty, Life, Health and, of course, Medicare & senior coverage.

RT Insurance began in 1986 and we have continued to provide Arizona seniors with quality Medicare, Long Term Care, Home Health Care, and Annuities with the most financially solvent and widely respected insurance companies in the industry.

Over the years, I have had so many client requests to provide Homeowners coverage, Auto coverage, Boats, RV's, Jewelry & Fine Arts coverage, and Small Business Owners & Bonds, that I decided to expand our agency into those areas. As a result, we began the quest for access to insurance companies that we know are strong, stable, reliable, and have a long history of performance and service to their policyholders. The result, we believe, speaks for itself. Of course, we made sure their rates are competitive too!

Yours Truly,

Robert Totsky

Auto Home Medicare Life Annuities Insurance in Oro Valley Robert Totsky Independent Insurance Agency in Oro Valley

Our main office (please call for an appointment)

Robert Totsky Independent Insurance Agency

1846 E Innovation Park, Oro Valley, AZ 85755, US

(520) 750-1166


Monday - Friday: 9am - 6pm

Saturday - Sunday: Closed

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