We Insure Miami Beach - Romina Saaied

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We Insure Miami Beach - Romina Saaied Insurance Agency

Romina Saaied is the owner of a dynamic set of small businesses, including a real estate services brokerage established in 2011, an insurance agency founded in 2018, and Apaga, a repair and cleaning service launched in 2022. As a proud franchisee representing over 200 carriers, Romina has become a trusted resource in Miami, providing personalized insurance solutions to her community. With a reputation built on years of experience and strong relationships, she is committed to assisting clients with their insurance needs, supported by a network of long-time clients, associates, and professionals.

10/15/2026

Tu seguro de inundación no empieza el día que lo pagás.

El waiting period estándar de una póliza nueva del NFIP es de 30 días, y pagar más rápido no lo acorta: está puesto ahí a propósito. Una póliza de hoy cubre la temporada que viene, no la tormenta de esta semana.

Hay dos casos que empiezan antes. Si la compra va con un préstamo, queda vigente en la closing date. Y si un mapa nuevo te pasa por primera vez a zona de alto riesgo, la espera es de un día durante los 13 meses siguientes.

Escribinos en una semana tranquila. Es cuando esta conversación sirve.

10/13/2026

Thirty days, and the clock does not start when you ask for a quote.

An NFIP flood policy takes effect 30 days after you buy it. Two cases start sooner: a purchase tied to a loan is effective on the closing date, and if a map revision newly puts your building in a high-risk zone, the wait is one day instead of thirty.

That is the whole list. A system in the Atlantic is not on it.

Which makes flood the one coverage you decide on in calm weather. Send us a DM.

10/12/2026

Hurricane season runs to November 30. A flood policy bought today does not cover you until November.

An NFIP flood policy normally takes effect 30 days after you buy it. Paying faster does not move the date. The wait is there on purpose, so coverage cannot be bought against a storm that is already on the map.

There are two narrow exceptions, and a storm in the forecast is not one of them.

The full breakdown is on the blog.

10/08/2026

Su edificio votó un assessment 14 meses después de la tormenta. ¿Llegó tarde para reclamarlo?

No necesariamente. La cobertura de loss assessment tiene su propio plazo: 90 días desde el voto de la junta, o un año desde la tormenta, lo que caiga más tarde. Con un tope de tres años.

Y si el daño es suyo y no del edificio, son otros dos relojes: un año para reportar, 18 meses si aparece más daño. Los dos se cuentan desde el día en que el huracán tocó tierra.

Escríbanos y vemos en cuál está.

10/06/2026

Three clocks, one date of loss.

One year to report damage to your home. Eighteen months if more damage appears later. And if you own a unit, ninety days from the day your board votes an assessment, or a year from the storm, whichever falls later.

All of them start the day the storm hit. Not the day you found the damage.

Not sure which one you are on? Send us a DM.

10/05/2026

Hurricane season ends November 30. Your deadline to report a claim does not end with it.

In Florida you have one year from the date of loss to tell your insurance company about damage to your home. Eighteen months if more damage turns up later. And if you own a condo unit, there is a third clock most people never hear about.

The full breakdown is on the blog.

𝗗𝗼𝗲𝘀 𝗟𝗼𝘀𝘀 𝗔𝘀𝘀𝗲𝘀𝘀𝗺𝗲𝗻𝘁 𝗰𝗼𝘃𝗲𝗿𝗮𝗴𝗲 𝗽𝗮𝘆 𝗲𝘃𝗲𝗿𝘆 𝗛𝗢𝗔 𝘀𝗽𝗲𝗰𝗶𝗮𝗹 𝗮𝘀𝘀𝗲𝘀𝘀𝗺𝗲𝗻𝘁?𝘕𝘰𝘵 𝘯𝘦𝘤𝘦𝘴𝘴𝘢𝘳𝘪𝘭𝘺.Coverage can depend on why the assessment...
10/02/2026

𝗗𝗼𝗲𝘀 𝗟𝗼𝘀𝘀 𝗔𝘀𝘀𝗲𝘀𝘀𝗺𝗲𝗻𝘁 𝗰𝗼𝘃𝗲𝗿𝗮𝗴𝗲 𝗽𝗮𝘆 𝗲𝘃𝗲𝗿𝘆 𝗛𝗢𝗔 𝘀𝗽𝗲𝗰𝗶𝗮𝗹 𝗮𝘀𝘀𝗲𝘀𝘀𝗺𝗲𝗻𝘁?

𝘕𝘰𝘵 𝘯𝘦𝘤𝘦𝘴𝘴𝘢𝘳𝘪𝘭𝘺.

Coverage can depend on why the assessment was issued, the cause of loss, your policy limits, and any applicable sublimits.

If you own a condo in Miami, review your HO-6 before the next special assessment lands in your inbox.

📩 𝗗𝗠 𝘂𝘀 𝘁𝗼 𝗿𝗲𝘃𝗶𝗲𝘄 𝘆𝗼𝘂𝗿 𝗰𝗼𝘃𝗲𝗿𝗮𝗴𝗲.

10/01/2026

𝗬𝗼𝘂𝗿 𝗹𝗮𝗻𝗱𝗹𝗼𝗿𝗱 𝗵𝗮𝘀 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲. 𝗕𝘂𝘁 𝘄𝗵𝗮𝘁 𝗮𝗯𝗼𝘂𝘁 𝘆𝗼𝘂𝗿 𝘀𝘁𝘂𝗳𝗳?

A leak damages your new laptop, furniture, clothes, or other belongings.

A common mistake renters make is assuming the landlord’s insurance automatically covers their personal stuff too.

𝘐𝘵 𝘨𝘦𝘯𝘦𝘳𝘢𝘭𝘭𝘺 𝘥𝘰𝘦𝘴𝘯’𝘵 𝘸𝘰𝘳𝘬 𝘵𝘩𝘢𝘵 𝘸𝘢𝘺.

The landlord’s policy is designed around the landlord’s property and exposures. Renters insurance can help protect your personal belongings against covered losses, while also providing other protections such as personal liability and additional living expenses, depending on the policy and what happened.

𝗦𝗼 𝗮𝘀𝗸 𝘆𝗼𝘂𝗿𝘀𝗲𝗹𝗳:

If you had to replace your laptop, clothes, furniture and other belongings tomorrow… who’s paying for it?

Renting in Brickell, Downtown Miami, Miami Beach or South Florida?

Let’s make sure your stuff isn’t the coverage gap.

📍 𝙒𝙚 𝙄𝙣𝙨𝙪𝙧𝙚 𝘿𝙤𝙬𝙣𝙩𝙤𝙬𝙣 𝙈𝙞𝙖𝙢𝙞
Local guidance. Multiple carrier options. Real human support.

𝗪𝗵𝗮𝘁 𝗵𝗮𝗽𝗽𝗲𝗻𝘀 𝗶𝗳 𝘆𝗼𝘂𝗿 𝗠𝗶𝗮𝗺𝗶 𝗿𝗲𝗻𝘁𝗮𝗹 𝘀𝘂𝗱𝗱𝗲𝗻𝗹𝘆 𝗯𝗲𝗰𝗼𝗺𝗲𝘀 𝘂𝗻𝗹𝗶𝘃𝗮𝗯𝗹𝗲?Your renters insurance may help with Additional Living Expe...
09/30/2026

𝗪𝗵𝗮𝘁 𝗵𝗮𝗽𝗽𝗲𝗻𝘀 𝗶𝗳 𝘆𝗼𝘂𝗿 𝗠𝗶𝗮𝗺𝗶 𝗿𝗲𝗻𝘁𝗮𝗹 𝘀𝘂𝗱𝗱𝗲𝗻𝗹𝘆 𝗯𝗲𝗰𝗼𝗺𝗲𝘀 𝘂𝗻𝗹𝗶𝘃𝗮𝗯𝗹𝗲?

Your renters insurance may help with Additional Living Expenses after a covered loss — including temporary lodging and other extra costs while your home is being repaired.

The key: 𝘬𝘯𝘰𝘸 𝘺𝘰𝘶𝘳 𝘓𝘰𝘴𝘴 𝘰𝘧 𝘜𝘴𝘦 𝘭𝘪𝘮𝘪𝘵 𝘢𝘯𝘥 𝘱𝘰𝘭𝘪𝘤𝘺 𝘤𝘰𝘯𝘥𝘪𝘵𝘪𝘰𝘯𝘴 𝘣𝘦𝘧𝘰𝘳𝘦 𝘺𝘰𝘶 𝘯𝘦𝘦𝘥 𝘵𝘩𝘦𝘮.

📩 𝗗𝗠 𝘂𝘀 𝘁𝗼 𝗿𝗲𝘃𝗶𝗲𝘄 𝘆𝗼𝘂𝗿 𝗿𝗲𝗻𝘁𝗲𝗿𝘀 𝗰𝗼𝘃𝗲𝗿𝗮𝗴𝗲.

𝗬𝗼𝘂𝗿 𝘂𝗽𝘀𝘁𝗮𝗶𝗿𝘀 𝗻𝗲𝗶𝗴𝗵𝗯𝗼𝗿 𝗹𝗲𝗮𝗸𝘀 𝗶𝗻𝘁𝗼 𝘆𝗼𝘂𝗿 𝗰𝗼𝗻𝗱𝗼. 𝗗𝗼𝗲𝘀 𝘁𝗵𝗲𝗶𝗿 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗮𝘂𝘁𝗼𝗺𝗮𝘁𝗶𝗰𝗮𝗹𝗹𝘆 𝗽𝗮𝘆?𝘕𝘰𝘵 𝘯𝘦𝘤𝘦𝘴𝘴𝘢𝘳𝘪𝘭𝘺. 💧Where the water s...
09/28/2026

𝗬𝗼𝘂𝗿 𝘂𝗽𝘀𝘁𝗮𝗶𝗿𝘀 𝗻𝗲𝗶𝗴𝗵𝗯𝗼𝗿 𝗹𝗲𝗮𝗸𝘀 𝗶𝗻𝘁𝗼 𝘆𝗼𝘂𝗿 𝗰𝗼𝗻𝗱𝗼. 𝗗𝗼𝗲𝘀 𝘁𝗵𝗲𝗶𝗿 𝗶𝗻𝘀𝘂𝗿𝗮𝗻𝗰𝗲 𝗮𝘂𝘁𝗼𝗺𝗮𝘁𝗶𝗰𝗮𝗹𝗹𝘆 𝗽𝗮𝘆?

𝘕𝘰𝘵 𝘯𝘦𝘤𝘦𝘴𝘴𝘢𝘳𝘪𝘭𝘺. 💧

Where the water started doesn’t automatically determine liability. The circumstances matter — and so does your own HO-6 coverage.

Know your water coverage and deductible before the ceiling starts dripping.

📩 𝗗𝗠 𝘂𝘀 𝘁𝗼 𝗿𝗲𝘃𝗶𝗲𝘄 𝘆𝗼𝘂𝗿 𝗛𝗢-𝟲.

Address

1111 Brickell Avenue Suite 169
Miami, FL
33131

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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