Independent Insurance Agency
In Downtown Miami
Car, Home, Condo & Flood Insurance
We Compare Top Carriers
To Find You the Best Coverage & Rates.
LOCAL GUIDENCE, TOP CARRIERS, WIND MITIGATION SAVINGS - TAILORED COVERAGE FOR MIAMI DADE, BROWARD AND PALM BEACH.
Compare quotes across insurers in minutes and unlock Florida-specific discounts.
Miami Homeowners & Condo insurance built around you.
Our agents build every policy based on individual needs to give you a better service. That way you get everything you need without paying for other stuff you don’t.
We go further to bring you the best Car insurance coverage.
Vehicle coverage can be complex, so our agents are trained to find a policy that’s perfect for your vehicle and how you use it. We search more carriers to find the right coverage at the best rate.
You’re an expert in your commercial business. We’re experts at protecting it.
Let us do the leg work to get your business insurance in line with your overall financial well-being.
Frequently Asked Questions
1. What types of insurance do you offer in Miami?
We Insure Downtown Miami helps individuals and businesses compare coverage options for:
- Auto Insurance
- Homeowners Insurance
- Condo (HO-6) Insurance
- Flood Insurance
- Business Insurance
- Umbrella Insurance
- Life Insurance & Annuities
As an independent agency, we work with multiple trusted Florida carriers to help you find the right coverage at competitive rates.
2. Are you an independent insurance agency?
Yes. We are a locally owned independent insurance agency in Downtown Miami.
That means we’re not limited to just one insurance company. We compare options across multiple carriers to help you find the best coverage, price, and protection for your situation.
3. Do you only serve Downtown Miami?
No. While our office is located in Brickell (1111 Brickell Ave Suite 169), we serve clients throughout:
- Miami-Dade County
- Broward County
- Palm Beach County
- And across Florida, depending on coverage type
You can work with us in person, by phone, or online.
4. How do I get a quote?
You can request a quote online through our website, call our office, or text our team.
We’ll review your needs, compare multiple carrier options, and help you choose coverage that fits your budget and protection goals.
5. Does homeowners insurance cover flood damage in Florida?
Typically, no. Standard homeowners insurance policies do not cover flood damage.
Flood insurance usually requires a separate policy. In South Florida, especially in Miami, flood coverage is strongly recommended due to hurricane and storm risks.
6. Is there a waiting period for flood insurance?
Many flood insurance policies have a waiting period before coverage begins.
For example, FEMA-backed flood policies commonly have a 30-day waiting period. Some private flood options may offer shorter waiting periods.
It’s best to secure flood coverage well before storm season.
7. Can I bundle home and auto insurance?
Yes. Bundling policies like home and auto insurance may simplify coverage and potentially reduce premiums, depending on the carriers available for your profile.
We’ll compare bundle options across multiple insurance companies.
8. Why should I choose a local Miami insurance agency instead of buying online?
A local agency provides personalized guidance, understands Florida insurance regulations, and helps you navigate:
- Hurricane and windstorm requirements
- Flood zone considerations
- Condo association coverage gaps
- Business liability needs
You get real support from licensed professionals — not just an online form.
SATISFIED CLIENTS
Tony Bello
Romina and her team set the standard for what professionalism and results should be in every organization. Couldn’t ask for better.-
Evelyn Artola
Romina was wonderful! She guided me through everything and was always there for me when I had any questions.-
Martina Montanas
The absolute best!.-
Martin Torrisi
Best service very professional.-
Benjamin Evans
The best insurance agency I have ever worked with. Very professional, responsive and caring. Great rates as well. Thank you-
Mario Fiorentino
Romina took a considerable amount of time to make sure that we were appropriately insured at a reasonable price. She is outstanding!
Florin Babiciu
I was helped by Kevin with my insurance, he was very helpful, honest, patience and on point. Gave me great advice's on the insurances and prices. It was so easy to do it, highly recommended it.-
Simone Green
They made changing insurance for something just as good but more affordable very quick and easy. Romina's communication and organization was amazing and I would def recommend to others.-
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We Insure Downtown Miami
1111 Brickell Ave Suite 160
Downtown Miami, FL 33131
+1 305.634.7890
+1 305.933.8554
© 2024. We Insure Downtown Miami. All rights reserved.
We
We Insure Downtown Miami
1111 Brickell Ave Suite 160
Downtown Miami, FL 33131
+1 305.634.7890
+1 305.933.8554
Website: weinsure-miami.com
Coverages
Homeowners Insurance
Business Insurance
Auto Insurance
Life & Annuities
Flood Insurance
Umbrella Insurance
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