The Ritz‑Carlton South Beach sunrise skyline over Miami Beach—oceanfront landmark amid luxury and ultra luxury condos; resale.
The Ritz‑Carlton South Beach sunrise skyline over Miami Beach—oceanfront landmark amid luxury and ultra luxury condos; resale.

South Florida Luxury Home Insurance in 2026: A Buyer’s Guide to Deductibles, Flood Coverage, and Condo Risk

Florida’s property-insurance story is shifting from pure sticker shock to smarter structuring. For luxury buyers, the decisions now hinge on deductibles, flood strategy, condo master policies, and high-value coverage details that affect real out-of-pocket exposure.

Cipriani Residences Brickell waterfront living room; luxury interiors for ultra luxury preconstruction condos with bay views in Brickell, Miami.
Cipriani Residences Brickell waterfront living room; luxury interiors for ultra luxury preconstruction condos with bay views in Brickell, Miami.

Baccarat Residences vs ORA by Casa Tua in Brickell: A Buyer’s Guide to Quiet Luxury and Social Energy

In Brickell, two branded towers express two distinct definitions of luxury. Baccarat Residences leans into a waterfront, lower-density concept with design-forward interiors and a more private cadence. ORA by Casa Tua is conceived as hospitality-led living, with turnkey residences, dining-forward programming, and a larger ecosystem shaped by short-term flexibility. For buyers deciding between serenity and activation, the differentiators are measurable: location, unit count, pricing bands, and lifestyle infrastructure.

The Residences at 1428 Brickell bayfront penthouse at sunset—Brickell, Miami; sky‑high luxury and ultra luxury condos; preconstruction.
The Residences at 1428 Brickell bayfront penthouse at sunset—Brickell, Miami; sky‑high luxury and ultra luxury condos; preconstruction.

Brickell Views: Bayfront Adjacency vs High-Floor Panorama

In Brickell, “best view” is rarely a single direction or altitude. Bayfront towers reward closeness to the water, while core towers use height, orientation, and volume to turn the skyline into an everyday amenity.

Cipriani Residences Brickell over Biscayne Bay; luxury waterfront tower for ultra luxury preconstruction condos in Brickell, Miami.
Cipriani Residences Brickell over Biscayne Bay; luxury waterfront tower for ultra luxury preconstruction condos in Brickell, Miami.

Cipriani vs Una in Brickell: Two Distinct Visions of Waterfront Luxury

Brickell’s newest trophy-level offerings increasingly divide into two buyer mindsets: the hospitality-led branded residence and the architecture-led waterfront tower. Cipriani Residences Miami and Una Residences illustrate that split with unusual clarity, from their skyline identities to their interior philosophies and amenity programming.

ALINA Residences, Boca Raton balcony over golf course and skyline—South Florida luxury and ultra luxury condos; active resale.
ALINA Residences, Boca Raton balcony over golf course and skyline—South Florida luxury and ultra luxury condos; active resale.

Branded Residences Are the New Standard in South Florida Luxury

From Downtown to Sunny Isles, branded towers are redefining what “turnkey” means: service, design credibility, and resale signaling. Here is how the most talked-about projects are shaping buyer expectations heading into 2026.

The Residences at 1428 Brickell bayfront penthouse at sunset—Brickell, Miami; sky‑high luxury and ultra luxury condos; preconstruction.
The Residences at 1428 Brickell bayfront penthouse at sunset—Brickell, Miami; sky‑high luxury and ultra luxury condos; preconstruction.

Luxury vs Ultra-Luxury in South Florida: What Really Changes From $5M to $20M

In South Florida, the leap from luxury to ultra-luxury is less about square footage and more about an integrated lifestyle: systems-level technology, privacy infrastructure, wellness programming, and architecture that reads as a one-off. Here is how buyers can evaluate the difference with precision across Miami Beach, Brickell, and the oceanfront corridor.

About Us

MILLION is a luxury real estate boutique specializing in South Florida's most exclusive properties. We serve discerning clients with discretion, personalized service, and the refined excellence that defines modern luxury.