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We Insure Miami - Zonia Varela

Consultative coverage reviews and straight answers for Miami households - without the usual price-only quoting.

We Insure Miami - Zonia Varela in Miami
Address
9730 SW 40 Street, Miami, FL 33165
Contact
Hours
M-F: 9:00 a.m. to 5:00 p.m S-S: By Appointment Only

We work with trusted insurance companies.

Progressive
Allstate
Nationwide
Travelers
Liberty Mutual
Geico

Home, Auto, Flood, and More

Common policy types reviewed for clients in Miami and nearby communities

Home Insurance icon

Home Insurance

Protects your home, belongings, and liability.

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Auto Insurance icon

Auto Insurance

Coverage for cars, trucks, and daily drivers.

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Flood Insurance icon

Flood Insurance

Separate coverage not included in standard home policies.

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Condo Insurance icon

Condo Insurance

Coverage for your condo, personal property, and liability.

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RV Insurance icon

RV Insurance

Coverage for motorhomes and travel trailers.

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Renters Insurance icon

Renters Insurance

Protection for belongings and personal liability.

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Boat Insurance icon

Boat Insurance

Protection for boats and personal watercraft.

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Motorcycle Insurance icon

Motorcycle Insurance

Coverage for motorcycles.

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Ways We Help

1
Annual Policy Reviews
2
Multi-Carrier Quote Comparisons
3
New Homebuyer Consultations
4
Flood Zone Determinations

Ways To Meet

Phone
+1-305-207-4247
Hours
M-F: 9:00 a.m. to 5:00 p.m S-S: By Appointment Only

Areas Served

Based in Miami, serving clients across the greater Miami area.

Downtown
North Side
South Side
East Side
West Side
Surrounding Areas

About the Owner

Born in Nicaragua, raised in Miami, FloridaOver 10 years’ experience in the insurance industryFormerly a top producer for 2 top-rated Florida State FarmagenciesLicensed in property and casualty, life, health and variableannuitiesDegree in business administrationServe my clients with integrity and reliability

Our We Insure agency objective is to establish a successfulpartnership with clients and form an excellent reputation in our area. We arecommitted to providing insurance products that offer quality protection withvalue pricing. We believe in getting the job done right while keeping the bestinterest of the client as the primary focus. We Insure empowers customers, offering different and better ways to buyinsurance. Customers need choice, speed, convenience and confidence in thecompany and individuals protecting their assets. We Insure customers hold thepower to choose. Customers choose from top-rated insurance companies and makepurchasing decisions their way. Buy online, over the phone, via email or inperson at our office.

How this office works

Owner started this office to give Miami clients a more consultative insurance experience instead of a quick price-only conversation. The office focuses on: Taking time to ask better questions, understanding what matters to each household, and recommending coverage that actually fits the risk.

What stands out

Consultative coverage reviews instead of price-only quoting

Transparent when another solution is the better fit

Meet the Miami Team

Rebeca "Becky" Mallon

Rebeca "Becky" Mallon

Office Manager

Zonia Varela

Zonia Varela

Insurance Agency Owner

What homeowners in Miami often miss

A common mistake is assuming flood risk only exists in high-risk zones. In the Miami area, the better conversation is understanding the actual risk, the flood zone, and what the policy would do before a storm ever shows up.

What to review

Check flood, wind, and deductible details before storm season instead of waiting until a claim.

Review deductibles, water damage limits, and optional coverages before renewal so nothing important gets missed.

Rated ★★★★★ By Neighbors

"If I could give Zonia more than 5 stars, I would! I've been working with her for over 8 years for my homeowner's insurance, and she is always fantastic. She was a massive help this term after I got a new roof—she walked me through how to get all the new discounts and credits I didn't have access to before. She is so knowledgeable, incredibly patient, and never made me feel clueless when I asked a million questions. She handled every single aspect of the renewal to get me maximum coverage at the best price. Thank you, Zonia!"

Oscar Rabeiro

"Zonia is amazing! She is very honest and will recommend the best policy that fits your needs. You will not go wrong working with Zonia."

Lillian Cedeno

"Miss Becky went above and beyond to help me get my new home insured…a task made harder by a hurricane that came through right before we closed. She was patient and kind throughout the entire process. I’m so grateful for her help!!"

Stephen Demeritt

"I did a lot of shopping for home insurance received the best quote and highly recommend , excellent service."

Philip Martin

"Great. Great, caring, and supportive staff. Most of the time quick to respond, and always have an answer to your questions. We Insure really wants to help you when you need it. Zonia Varela is a 10/10 representative and I will always put my trust in her."

Enzo Vidal

"Hard working and passionate about what she does. We wholeheartedly recommend Zonia! Thank you for all your help!"

Anna Fernandez, Esq.

"Zonia is knowledgeable, approachable, and courteous. I never have to worry if I'm Paying to high a premium with Zonia and We insure Miami"

Kevin Regato

"The team at We Insure Miami are great. they are professional, attentive, and always find best deals for its customers."

Vanessa Ramirez Botero

"Zonia was amazing, very professional and great service, helped us get the best quote. Amazing service !!!"

Juan Ibarra

"BEST & quickest quotes ever!! Customer service is AMAZING!!"

Estrella Noguera

Local roots in Miami

This office has deep Miami roots, with team members who have lived and worked in the community for years. We understand the local market and the unique insurance needs of Miami residents.

Community involvement includes:

Chamber and local business networking

Community charitable organizations

Local school and youth programs