How to Choose the Best Insurance Broker in the Dominican Republic (Guide)

Choosing the right insurance broker in the Dominican Republic can save you time, money, and frustration—especially if you're a foreign property owner, an expat, or a frequent traveler. Whether you're insuring your villa in Punta Cana or looking for international health coverage, a trusted insurance broker will help you navigate the process smoothly.

But with so many agents and companies offering services, how do you know who to trust? In this guide, we’ll walk you through what to look for in a broker and how to make an informed decision that protects your assets and peace of mind.

1. Look for Brokers with Local and International Experience

If you’re coming from the U.S.,Canada or Europe, your needs may differ from local residents. A broker who understands both local regulations and international standards will offer better guidance and tailored products.

Ask:

• Do they serve international clients?

• Do they speak fluent English or French?

• Do they understand U.S./Canadian/Europeans insurance expectations?

A broker like Hernández Peguero, who specializes in serving foreign clients in the Dominican Republic, is an ideal example of someone with this dual experience.

2. Verify Licenses and Company Partnerships

Not all brokers operate with the same level of legitimacy or backing. A professional insurance broker should be:

• Licensed by the Superintendencia de Seguros (DR insurance regulator)

• Partnered with reputable insurance companies, both local (e.g., Universal, Mapfre, Seguros Sura) and international.

This ensures your policy is legal, enforceable, and comes from a trustworthy insurer.

3. Check Their Specialty Areas

Do you need:

• Property insurance for a villa or condo?

• International health insurance for expats?

• Car insurance or travel insurance?

Make sure your broker has deep knowledge in the type of insurance you need. Some brokers are generalists; others specialize in high-risk areas, medical policies, or vacation rentals.

4. Evaluate Communication and Responsiveness

Good brokers are not only knowledgeable—they’re available when you need them.

Test their communication:

• Do they respond quickly to WhatsApp or email?

• Do they offer video calls or consultations?

• Are their explanations clear and jargon-free?

Great brokers will educate you, not just sell to you.

5. Read Reviews and Ask for Testimonials

Look for reviews from people like you—foreigners, retirees, or property investors in the DR.

You can also ask:

• “Can I speak with a current client?”

• “Do you have case studies or success stories?”

Positive reviews on platforms like Google, Facebook, and LinkedIn are a good sign that you're in good hands.

6. Consider Long-Term Support

Insurance isn’t just about signing a policy—it’s about what happens when you need to file a claim.

A great broker will:

• Help you with claims documentation

• Negotiate with insurers on your behalf

• Provide annual reviews of your coverage

Ask upfront: “What happens after I buy the policy?”

7. Transparency and Ethics Matter

Finally, choose someone who is transparent about:

• Commissions and fees

• Policy exclusions and limits

• Renewal processes

Ethical brokers prioritize your interests. If someone is pushing a product without explaining alternatives, consider that a red flag.

Need expert insurance guidance in the Dominican Republic?

Whether you're buying a second home, moving to paradise, or planning your next vacation—Hernández Peguero Insurance Brokers is here to protect what matters most.

📞 Phone / WhatsApp: +1 849-514-9838
📧 Email: info@hernandezpeguero.com
🌐 Website: www.hernandezpeguero.com

Feel confident and covered—contact us today for a free consultation.