Policy review · Miami-Dade
Is Your Condo Insurance Still the Right Fit?
A condo insurance review is a read of the policy you already have: what it says, where it stops, and what your building is expected to pick up. Romina Saaied does it herself, at no cost, and nothing about your policy changes unless you decide to change it.
You already have insurance. That is the right place to start.
A policy that has been in place for a few years is easier to review than a blank form, not harder. The documents exist, the building is known, and the questions get specific quickly: what changed, what the association changed, and what your declarations page says today.
Request your review
Eleven questions, most of them about the property rather than about you. Nothing you send here commits you to anything.
What you get
A person reads it
Romina reads your policy herself. Nothing here is scored by software and handed back as a grade.
No cost, no obligation
The review is free. Plenty of them end with you keeping exactly what you already have.
Independent
The agency is not tied to one company. It compares more than 200 carriers through the We Insure network.
Confirmed by the agency, 2026-08-25
Local to the risk
Brickell and Miami Beach buildings, hurricane season, and the questions that come up here and almost nowhere else.
Why owners bring their policy here
01
Independent agency
Not tied to one company, so at renewal a policy can be moved instead of argued with.
02
Local to Brickell
The buildings, the inspections and the questions that come up here and almost nowhere else.
03
One person, start to finish
Romina reads the policy, answers the email and picks up the phone. There is no queue behind her.
How the review works
01
You send the form
It takes a few minutes. If something is missing, Romina asks you for it directly rather than sending you back to the form.
02
Romina reads what you have
She reads your current policy and, where it matters, goes to the association for what she needs. This is the part that takes the time.
03
You decide
You get a plain answer about what she found. Changing anything is your call, and often the answer is that nothing needs changing.
What this review is not
This page has one job, and it is worth saying what falls outside it. Each of these has a page of its own, written for that question.
It is not an explanation of how condo insurance works. If that is what you need: what a condo policy covers and what the association's covers
It is not a reading of your building's master policy. How a building gets insured, and what a carrier asks of it: insuring a high-rise in Miami
It is not a flood review. Flood is a separate policy with separate rules: what flood insurance covers in Miami
It is not a quote from scratch. If you do not have a policy yet: start a coverage quote
It is not a do-it-yourself guide. If you would rather work it out on your own first: how to find where your condo policy has to start
Why an independent local agency
An agency tied to one company can only ever hand you that company's answer. An independent one compares, and at renewal that is the difference between moving a policy and arguing with the only option on offer. The local half matters just as much: what a building in Brickell is asked for is not what a building two counties north is asked for.
You already bought insurance. The question now is whether it still matches the building.
If you do not live in Miami
Most of the owners Romina works with are somewhere else. She works in English, Spanish, Italian and Portuguese, sends and receives documents by email, and schedules calls around the time difference rather than around office hours in Florida. Owning at a distance is the normal case here, not the exception.
Questions about the review
- What does the review cost?
- Nothing. There is no fee for the review and no charge if you decide to leave everything as it is. The agency is paid by the carrier when a policy is placed, which is how insurance agencies work.
- Do I have to change anything afterwards?
- No. A review that ends with your keeping the same policy is a normal outcome, not a wasted one: you know what you have and why. Nothing changes unless you ask for it to change.
- What do you need from me to start?
- The form below is enough to start. Do not upload or email documents yet. If Romina needs your declarations page or something from the association, she asks you for it directly once you are in contact.
- Is this the same as asking for a quote?
- No, and the difference matters. A quote starts from nothing and ends in a price. A review starts from the policy you already hold and ends in an explanation of it. If you have no policy yet, a quote is what you want.
- I do not live in Miami. Does that matter?
- Not to the review. Owners who live abroad or in another state are the normal case here. Everything runs by email and by calls scheduled around your time zone, in English, Spanish, Italian or Portuguese.
- When will I hear back?
- Office hours are Monday to Friday, 9:00 a.m. to 5:00 p.m. Eastern. A form sent at night or over a weekend is read on the next working day. If something cannot wait, calling is faster than writing and always will be.
Have your policy read by someone who does this all day
It costs nothing, it commits you to nothing, and at the end you will know what you are actually holding.
Go to the formAbout this page
Coverage, eligibility and price vary by carrier and by policy. Nothing on this page is an offer of insurance, a statement that any particular coverage is available to you, or advice about your own policy. What your policy covers is what your policy documents say. We Insure Downtown Miami is an independent insurance agency and does not underwrite insurance.