Independent agency · Brickell, Miami
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ENHi Maria4 active policies
42daysHome renews soonYour agent will reach out
- HomeownersSample Ave, Miami, FLEndsNov 23
- Residential FloodSample Ave, Miami, FLEndsDec 27
- Auto InsuranceMaria S. · 2 vehiclesEndsFeb 10
- UmbrellaMaria S.EndsMay 17
Ask about my policies
If a hurricane floods my house, am I covered?Your flood policy covers the building. Your home policy doesn't cover flood water.Talk to an agentSee policy
What clients say
Excellent experience with We Insure Downtown Miami. The team was professional, responsive, and very clear throughout the entire process.
Google reviewWe Insure Downtown Miami client Their response time was incredibly fast from the very first contact… Their professionalism stands out in every detail.
Google reviewWe Insure Downtown Miami client Alexis is a wonderful insurance agent. He never lets me down… Great company with great people who care.
Google reviewWe Insure Downtown Miami client
A real person reads every request.
Romina Saaied · Brickell, MiamiTalk to an agentMore about the agencyQuestions we hear often
We Insure Downtown Miami is an independent insurance agency in Brickell. It handles home, condo, auto, business, flood and life insurance, and compares several carriers instead of depending on a single one. It works with property owners in Miami and with those who own property here but live in another city or country.
Does my homeowners policy cover flood damage?
No. Flood is a standard exclusion on homeowners and condo policies, which is why flood coverage is a separate contract. The reason matters: this isn't a shortcoming you fix with a better policy. No homeowners policy sold in Florida includes it, so comparing insurers on this point doesn't help.
Can I buy a policy if I live outside the United States?
In general yes, and it is routine in Brickell. Requirements differ by carrier around documentation and how payment is made, and some ask for a local point of contact for claims.
Do I need Florida auto insurance if I am not here year-round?
If the vehicle is registered in Florida, it needs Florida coverage, whether or not you live in the state. Owners who split the year between two countries generally keep the car registered and insured here year-round.
Can I buy life insurance in Florida if I'm not a U.S. resident?
It's possible in some circumstances and depends on the insurer; there's no single rule. Insurers set their own requirements around residency, immigration status, where a medical exam is performed, and your connection to the United States, and those requirements vary substantially between companies.
More answers on our insurance blog.