Policy review · Miami-Dade
Is Your Rental Property Insurance Still the Right Fit?
A rental property earns income, and the policy behind it should keep up with how you actually rent it. This review is a read of what you already hold: what it says, where it stops, and what to look at before it renews. Romina does it herself, at no cost.
This is a property that pays you
Most rentals are insured once, the way the owner insured their first home, and then not looked at again. The rent changes, the roof gets older, a lease turns over, a second property arrives. The policy stays where it was. This review is the look.
Request your review
Eleven questions, and three more only if you already have a policy. Nothing you send here commits you to anything.
Why owners bring a rental policy here
Independent agency
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, downtown and Miami Beach buildings, hurricane season, and the questions that come up here and almost nowhere else.
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 the policy you hold today and lines it up against how the property is actually rented. 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 a rental property owner should look at
None of this is a statement about what any policy covers — that is set by the policy itself. These are the questions worth asking before a renewal, and the ones Romina works through with you.
Whether the policy knows it is a rental
A property with a tenant is not the same risk as a home the owner lives in. The first thing to check is whether the carrier was ever told how the property is used, and whether that is still what you are doing.
What your policy says about the income
If the property could not be lived in for a while, what does your policy say happens to the rent? It is worth knowing the answer before you need it, whatever the answer turns out to be.
Where your side ends and the tenant's begins
Ask what your policy is expected to do about anything the tenant owns, and whether your lease asks the tenant to carry their own. The two questions are usually answered in different documents.
How much has changed since the last look
A new roof, a renovation, a change of tenant, a change of use. Each one is a reason to re-read the policy, and none of them tells the carrier on its own.
If you own more than one
Owning several rental properties does not make the insurance cheaper by itself, and this page will not tell you it does. What changes is how much work it takes to keep them straight.
One conversation instead of four renewals
Renewal dates arrive scattered through the year. Reviewing them together means you look at the whole set once rather than reacting four times.
One person who knows all of them
Romina keeps the whole list in her head, so a question about the third property does not start from the beginning.
A list you can actually see
What is insured with whom, what renews when, and where the differences are. Owners with several properties usually have never seen that on one page.
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 a short-term rental review. If your guests stay less than 30 days, the policy is written differently and the questions are different: the short-term rental review
It is not about the home you live in. If you live in the property: what a homeowners policy covers
It is not a reading of a condo association's master policy. If your rental is a unit in a building and the question is where the association stops: the condo insurance review
It is not renters insurance. That is the policy your tenant buys, and it is a different one: renters insurance in Miami
Local to the risk, not just to the address
Wind, water and age are the three that decide most of what happens to a property in Miami-Dade, and they behave differently here than they do a hundred miles north. An agency that works these buildings every week reads a rental policy against what actually happens to them.
The policy was written for the property. The question is whether it was written for the way you use it.
Questions owners ask
- 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, not by you for looking.
- Do I have to change anything afterwards?
- No. A review that ends with you keeping the same policy is a normal outcome, not a wasted one: you know what you have and why.
- 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, she asks for it directly.
- I own more than one rental. Can you look at all of them?
- Yes. Say how many in the form and Romina works through them in one conversation instead of one at a time. Nothing about owning several changes the cost of the review, which is nothing.
- I rent it out for short stays. Is this the right page?
- Probably not. If guests stay less than 30 days, the short-term rental review is the one written for that, and the link is in the section above. If it is some of each, either page reaches the same person and the form asks about it.
- 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.
Have the policy behind your rental 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.
About 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 coverage is available to you, or a promise about price — including for owners of more than one property. What a policy covers is set by its own terms. We Insure Downtown Miami is an independent agency, and a licensed agent confirms what applies to your situation.