We Insure vs UniVista vs Estrella — Which Is Right for You in 2025?
6 Min Read
Nov 17, 2025
🧾 We Insure vs UniVista vs Estrella — Which Is Right for You in 2025?
Updated November 2025 | by We Insure Downtown Miami
💡 Quick Summary
Miami is full of insurance options — but which one actually delivers the best value?
We compared We Insure, UniVista, and Estrella Insurance, three of the city’s most popular agencies, across service quality, pricing, and coverage flexibility.
1️⃣ Quick Comparison Table
Feature | 🟦 We Insure Downtown Miami | 🟥 UniVista Insurance | 🟨 Estrella Insurance |
|---|---|---|---|
Business Model | Independent Agency (150+ carriers) | Franchise Network (single carrier group) | Franchise Network (limited carrier set) |
Languages | English / Spanish | Spanish / English | Spanish / English |
Home Insurance Expertise | 🏠 Condo / HO-6 / Flood / Business | 🏡 Auto + Home bundles | 🚗 Auto focus; home add-on |
Customer Contact | Local agents in Brickell + WhatsApp | Large call center + local offices | Walk-in storefronts |
Average Response Time | Same day | 2–3 days | 2–5 days |
Best For | Condo owners, small biz, multi-policy households | Budget seekers, Spanish-first customers | Auto + home bundle shoppers |
Sources: Public reviews, agency sites, and Miami market research (Nov 2025).
2️⃣ What Makes We Insure Downtown Miami Different
✅ Independent = Unbiased Quotes
We’re not tied to one carrier. That means our advisors compare 150+ companies — Citizens, Heritage, TypTap, Universal, and more — to find you the best coverage mix.
🌴 Local Brickell Team
You’ll talk to a local expert who understands coastal risk, flood zones, and condo regulations — not a call center rep outside Florida.
📱 Modern + Personal
Request quotes via WhatsApp, text, or email. No waiting days for callbacks.
🗣️ Bilingual Advisors
All our Miami team members speak both English and Spanish fluently.
3️⃣ When UniVista or Estrella Might Be a Better Fit
We Insure isn’t always the best option for everyone — and that’s okay.
UniVista is ideal if you want a fast, low-cost auto or renters bundle, especially for Spanish-first families.
Estrella is a solid pick if you prefer walk-in storefront service and already have auto coverage with them.
If you need multi-car + home bundles with minimal customization, those networks can sometimes beat our price — but rarely our coverage options.
4️⃣ Real Talk: Service Experience in 2025
“After Hurricane Ian and the 2024 reinsurance hikes, response times became everything.”
Metric | We Insure | UniVista | Estrella |
|---|---|---|---|
Average Claim Support Time | < 24 hours | 48–72 hours | 48–96 hours |
Agent Follow-up Frequency | Weekly | Monthly | Monthly |
Customer Retention Rate | 92% | 78% | 74% |
Our philosophy: local, consistent communication beats call-center volume every time.
5️⃣ Customer Story
“I switched from UniVista after waiting 10 days for a claim callback. We Insure got my renewal handled in two.”
— Daniela R., Brickell homeowner
6️⃣ FAQ
Q1: Are We Insure and UniVista the same company?
A: No — We Insure is an independent franchise network with access to multiple carriers, while UniVista mainly represents its own partner group.
Q2: Which agency gives the lowest home insurance rates in Miami?
A: UniVista often advertises the lowest starting prices, but We Insure usually provides more value when you factor in deductible choices, wind mitigation, and claim service.
Q3: Can I switch from Estrella to We Insure mid-policy?
A: Yes — as long as you haven’t filed a claim, you can switch mid-term without penalty. Your We Insure agent will handle all the paperwork.
7️⃣ Conclusion: Choose Coverage, Not Just Price
Choosing your Miami insurance partner shouldn’t just be about the lowest quote.
It’s about protection, response time, and trust — and that’s where We Insure Downtown Miami leads.
💬 Talk to a local advisor today — get your personalized comparison in 5 minutes.
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