Policy review · Miami-Dade
Is your condo insurance still the right fit?
A condo insurance review means reading the policy you have: what it includes, what it doesn't, and where the building's coverage ends. Romina Saaied does the review at no cost, and nothing about your policy changes unless you decide to change it.
You already have a policy. That's the better starting point.
A policy that's been in place 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 fast: what changed on your side, what changed on the association's side, and what the declarations page says now.
Request your review
Eleven questions, most of them about the property rather than about you.
What you get
Read by a person
Romina reads the policy herself. Nothing is scored by software and no rating comes out the other end.
No cost, no obligation
The review is free. Plenty of them end with you keeping exactly what you already have.
Independent
The agency isn't tied to one company. It compares more than 200 carriers through the We Insure network.
The agency's own count
Local risk
Buildings in Brickell and Miami Beach, hurricane season, and the questions that come up here and almost nowhere else.
Why condo owners come here
Independent agency
Not tied to any one company, so at renewal a policy can move to a different carrier instead of staying where it is.
An office in Brickell
Where the inspections happen, where the questions come from, and where the buildings are.
The same person start to finish
Romina reads the policy, answers the email, and takes the call. Nothing gets handed off.
How the review works
01
You send the form
A few minutes. If something is missing, Romina asks you directly instead of sending you back to the form.
02
Romina reads your policy
She reads what you have and, where it's needed, goes to the association for what she can't see from the policy alone. This is the part that takes time.
03
You decide
You get a plain answer with what she found. Whether anything changes is your call, and often the answer is that nothing needs to.
Only the policy in your name
Your policy gets read against what the association already insures, and nothing wider than that. Five things sit outside it, and each one has somewhere to go:
It doesn't explain how condo insurance works. If that's what you need: what a condo policy covers and what the association's covers
It doesn't review your building's master policy. How a building is insured and what carriers ask of it: insuring a high-rise in Miami
It isn't a flood review. Flood is a separate policy with its own rules: what flood insurance covers in Miami
It isn't a quote from scratch. If you don't have a policy yet: start a coverage quote
It isn't a do-it-yourself guide. If you'd rather work it out on your own first: how to find where your condo policy has to start
Why local and independent
An agency tied to one company can only give you that company's answer. An independent one compares, and at renewal that's the difference between moving a policy and arguing with the only option available. Local matters the same way: what carriers ask of a building in Brickell isn't what they ask two counties north.
You already bought the insurance. The question now is whether it still fits the building.
If you don't 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 Florida office hours. Owning here from somewhere else is the norm in this market, not the exception.
Questions about the review
- What does the review cost?
- Nothing, and keeping your current policy costs nothing either. The agency is paid by the carrier when a policy is placed, which is how insurance agencies generally work.
- Do I have to change anything afterward?
- No. A review that ends with you keeping the same policy is a normal outcome rather than a wasted afternoon: you know what you have and why. Nothing changes unless you ask for it.
- What do I need to get started?
- The form below is enough. Don't upload or email documents yet. If Romina needs your declarations page or something from the association, she'll ask for it directly.
- Is this the same as asking for a quote?
- No, and the difference matters. A quote starts from nothing and ends with a price. A review starts from the policy you already have and ends with an explanation of it. If you don't have a policy yet, a quote is what you want.
- I don't live in Miami. Does that change anything?
- It's common for owners here to live abroad or in another state. Everything runs by email and scheduled calls, on your time zone, in English, Spanish, Italian, or Portuguese.
- When will I hear back?
- Messages sent at night or on the weekend get read the next business day. If it's urgent, calling is faster than writing.
Have someone who reads these every day read yours
It costs nothing, it commits you to nothing, and at the end you know exactly what you're covered for.
Go to the formAbout this page
Coverage, requirements, and pricing vary by carrier and by policy. Nothing on this page is an offer of insurance, a statement that particular coverage is available to you, or advice about your own policy. What your policy covers is in your policy documents. We Insure Downtown Miami is an independent insurance agency and does not underwrite policies.