About the agency
Why this agency comes down to one person
We Insure Downtown Miami is an independent insurance agency in Brickell, run by Romina Saaied. Being independent means comparing policies from multiple carriers rather than selling one company's products. The agency opened in 2018; Romina has worked as a real estate broker in Florida since 2011, and advises in four languages.
What independent actually means
An agent who works for one insurance company can only offer what that company sells. If it isn't competitive for your property, or if it decides it no longer wants that kind of risk, the conversation ends there. An independent agency holds appointments with several carriers and places your policy with whichever one fits, which means the starting point is your property rather than a product that has to move.
The difference shows up at renewal. Carriers move in and out of Florida, restrict what they'll write, and reprice by area. Being independent is what makes it possible to move a policy instead of negotiating with the only company available. The agency compares more than 200 carriers through the We Insure network, a figure confirmed by the agency.
Four languages, and why that isn't a small detail
Romina advises in English, Spanish, Italian, and Portuguese. On a website that reads like a feature. In practice it's the difference between handling your own affairs and depending on whoever is available to translate.
A large part of Brickell is owned by people who spend most of the year somewhere else. If you're in Milan or Buenos Aires and your lease is in English, every question runs through an intermediary, and the answers arrive filtered by someone who isn't accountable for them. Reading the contract in your own language, and asking the uncomfortable question directly, isn't just convenient. It's the only way to actually know what you signed.
Insurance and real estate, in the same place
Romina has worked as a real estate broker in Florida since 2011, longer than the insurance agency has existed. The order matters: she came to insurance through real estate, not the other way around.
It changes which questions get asked. Anyone who has walked buildings in this market knows to ask when the roof went on, whether the ground floor is parking or living space, and what the association documents say, before quoting anything. Those answers are what decide coverage on a condo or a house, and what the building's exposure looks like on the flood side, which is its own contract.
What this agency doesn't do
Worth saying plainly, because assuming otherwise is how people end up disappointed with an insurance broker.
It isn't an insurance company
The agency places your policy; the carrier issues it and pays the claim. When a claim happens Romina can file it, follow it, and translate it, and she does. What she can't do is decide the outcome, because that decision isn't hers.
It doesn't give legal, tax, or investment advice
Questions about holding property in a trust, how a policy is treated for tax purposes, or whether an annuity fits your finances belong with an attorney, an accountant, or a licensed financial advisor. Knowing who to ask is more useful than getting a confident answer from the wrong person.
It doesn't represent any one carrier
There's no company whose products it has to sell, and no commission that guarantees a recommendation. That's the point of the independent model, and it's also why the agency can't promise that a particular carrier will write a particular building. That's the carrier's decision, and it changes.
The record
The verifiable part, and where each number comes from.
- Insurance agency founded
- 2018
- Working in Florida real estate since
- 2011
- Years of sales experience
- 28
- Years in commercial management
- 10
- Languages advised in
- 4
- Carriers compared
- 200+The agency's own count
Away from the desk
Outside of work Romina runs marathons and races triathlons, a sport built around training precisely for conditions you can't predict on race day. She plays piano, keeps a garden, reads, and is raising a family in the same city where she writes insurance. None of that qualifies her to place a policy. It's here because people would rather know who they're dealing with, and because an agency that comes down to one person should be willing to say who that person is.
Frequently asked questions
- What does it mean that the agency is independent?
- It holds appointments with several insurance companies rather than being employed by one. That makes it possible to place a policy with whichever carrier fits the property, instead of the only one available. The practical advantage shows up less in the first quote than at renewal, when a carrier reprices or pulls out and you aren't left without options.
- Can you help me if I don't live in the United States?
- Yes, and it's most of the work here. Brickell is largely owned by people who live somewhere else most of the year. What usually needs arranging in advance is practical rather than legal: how documents get signed across time zones, and who can get into the property to assess damage. Advice is available in English, Spanish, Italian, and Portuguese.
- Do I pay the agency for the advice?
- Independent agencies are generally paid by the carrier that issues the policy rather than by the client directly, so reviewing what you already have usually costs nothing.
- What is We Insure Group?
- We Insure Downtown Miami is a franchise of We Insure Group, a national network of independent agencies. The franchise supplies the carrier relationships and the infrastructure behind the agency; Romina does the advising, the document review, and the claims work. It's worth knowing because it explains how a one-person agency can compare a wide range of carriers.
Talk to a person
If you want to understand what you already have, that takes a conversation rather than a form. If you already know what needs covering, send the details and Romina will come back to you directly.