The Verdict · Fort Lauderdale, FL
$3,066–$7,898
real monthly · incl. fees + insurance
4.3★
231 Google reviews
Flood-zone location · higher property crime
worth watching
A well-rated community where the real cost runs ~$35 over sticker, and flood coverage isn't optional in FEMA zone AE.
Looking for renters insurance?
It runs about $15/mo — see what renters insurance in Fort Lauderdale, FL typically costs.
Also worth knowing: Does renters insurance cover hurricane damage?
What Residents Say
The honest version — the good and the bad, straight from recent Google reviews of Harbour at New River Apartments.
“I’ve been living at Harbour for over 4 months now and have had nothing but positive experiences. From the moment I toured with Jason Read, to the move in process, and beyond - Jason has been super informative, helpful, and attentive to any needs or questions I may have had along the way. Whenever I…”
“As my wife and I have become empty nesters we’ve just moved into the Harbour at New River, and the entire experience has been excellent from start to finish. Amber was fantastic when showing Sabina the different apartment options and helped us find the perfect fit. The whole team has been incredibl…”
“We had an outstanding experience with Jason Reed! The tour was absolutely amazing from start to finish. Jason was knowledgeable, engaging, and made the entire experience both informative and enjoyable. The building was very impressive, and Jason did a fantastic job highlighting its history and uni…”
“I am beyond grateful for Jason Read, he wasn’t originally our leasing agent, but he took over the responsibility of making our move-in process 101% better. He is always checking in on us and answering our many questions. Jason has become a friendly face always willing to make our stay at The Harbou…”
“I had an excellent leasing experience working with Amber, my leasing agent. She was responsive, attentive, and incredibly thoughtful throughout the entire process. What really stood out was her attention to detail and how proactive she was in making sure everything was as convenient as possible for…”
401 SW 1st Ave, Fort Lauderdale, FL 33301
Tarpon River
What Harbour at New River Apartments Really Costs
The sticker rent isn't the whole number. Here's what Harbour at New River Apartments actually costs each month once required fees, pet rent, and insurance are in — the number the listing sites leave off.
Renters insurance adds ~$15/mo to that total — compare quotes →
Fees Beyond Rent
The additional charges beyond base rent at Harbour at New River Apartments. Some are monthly, some one-time — all of them shape your real cost of living here.
Pets Fees
One-Time Pet Fee
Max of 2. Charged per pet.
Monthly Pet Fee
Max of 2. Charged per pet.
Safety & Property Crime
For a renter, property crime is what you actually feel day to day — a car broken into overnight, a package lifted off the step, a bike gone from storage, or how the walk from the lot feels after dark. Here's how Fort Lauderdale looks on the theft-related crimes that touch renters most.
These are city-level figures from the FBI's Uniform Crime Reporting program — not block-by-block. Your specific street may run calmer or rougher than the citywide rate.
Fort Lauderdale property crime
3,348
per 100K residents
U.S. avg 1,578 / 100K
Breakdown per 100K residents
U.S. average
The practical takeaways here are the unglamorous ones: park in lit areas, use a parcel locker if the community offers one, and don't leave anything visible in the car. Harbour at New River Apartments's on-site security (Package service, Controlled access, Property manager on site, Concierge, Gated, Doorman) helps on the margin.
Source · FBI UCR · Fort Lauderdale · 2024-12 to 2025-11
On-Site Security
Natural Hazards to Plan For
FEMA places Harbour at New River Apartments inside a flood-risk zone, which matters because flood damage is one of the few things a standard renters policy doesn't cover. The rest is mostly familiar territory — wind, hail, theft, fire are all included by default. Below is the specific zone designation for this address and what your options are for closing the flood gap.
Flood damage
This address is mapped into a Special Flood Hazard Area — FEMA's name for the higher-probability flood zones. Your landlord's building policy doesn't extend to your possessions, and a standard renters policy explicitly excludes flood damage. NFIP renters coverage starts around $99 a year and is usually the simplest path to closing the gap.
Source · FEMA NFHL
FEMA Zone AE (coastal floodplain) — High-risk flood area with base flood elevation
Flood insurance strongly recommended — standard renters policies exclude flood damage.
What to know about flood as a renter here:
- Your landlord's building policy does not cover your belongings
- NFIP offers renters policies starting around $99/year
- Private carriers (Neptune, Wright Flood) may offer lower rates
- Most flood claims in this zone are for personal property, not structure
Most flood claims renters file in zones like this one are for personal property — laptops, mattresses, instruments — not structural damage. That's exactly what a renters-targeted flood policy is designed for.
Zones can change — verify at FEMA Flood Map Service
Earthquake shaking
Earthquakes happen rarely enough at this location that an earthquake-specific endorsement isn't a meaningful insurance decision. A baseline renters policy still covers the claims you'd actually file. The USGS-level detail is included below mostly for thoroughness.
Source · USGS NSHM
Low seismic hazard · ground motion 0.02g
Skipping the endorsement is a defensible choice at this hazard level. Theft, fire, lightning, and most water damage stay covered under a standard renters policy regardless.
Ground motion at ~2% probability over 50 years — the building-code reference level
Severe weather you'd actually claim for
Severe-weather activity in Broward County is at the low end. Standard renters insurance already covers wind and hail damage to your stuff, so the data below is more context than coverage gap.
Source · NOAA Storm Events · 5-yr averages for Broward County
The standard renters policy is the right starting point. The gap above is closable with a single endorsement; pricing it as part of a bundled quote is the usual move.
Renters Insurance at Harbour at New River Apartments
We found a few insurance details on the Harbour at New River Apartments website. Your lease may have additional requirements — treat these as a starting point.
Lease Requirements
* An "interested party" is the property management company listed on your insurance policy. It doesn't give them any claim rights — it just means they get notified if your policy lapses, which is how the leasing office verifies you stay insured.
One thing to watch for: when you buy your policy, most carriers have a field to add the property as an interested party — skip it and your proof may get rejected. It takes 30 seconds. Start a quote to see which carriers handle this automatically.
What Affects Your Premium Here
Every building is different. These factors specific to Harbour at New River Apartments can push your insurance cost up or down:
Gated Community
Gated access reduces theft risk — may qualify for security discount
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
FEMA Flood Zone
Zone AE — High-risk flood area with base flood elevation. Flood insurance strongly recommended.
FBI UCR
Property crime rate: 3348/100K (112% above national average)
What You'll Likely Pay
$15
Est. monthly
$180
Est. annual
$14
With discounts/mo
$16
State avg/mo
How Much Coverage Makes Sense
Renters insurance has two main pieces: personal property coverage, which pays to replace your belongings if they're stolen or damaged (furniture, electronics, clothes), and liability coverage, which protects you if someone gets hurt in your unit or you damage someone else's property. Here's what we'd recommend for Harbour at New River Apartments based on the rent level and building.
Personal Property
What your stuff is worth
If you own less
$35,000
If you own more
$75,000
Liability
Covers accidental harm & lawsuits
Pool on premises — higher liability recommended for accidents at shared amenities
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Harbour at New River Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $10/mo | $118/yr |
| USAA | $11/mo | $132/yr |
| State Farm | $15/mo | $176/yr |
| Progressive | $16/mo | $191/yr |
| Safeco | $16/mo | $191/yr |
| Travelers | $17/mo | $206/yr |
| Allstate | $18/mo | $220/yr |
| Nationwide | $18/mo | $220/yr |
| Farmers | $20/mo | $235/yr |
| Liberty Mutual | $22/mo | $264/yr |
Discounts You May Qualify For
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About Harbour at New River Apartments
From the property listing:
Waterfront living along Fort Lauderdale's New River begins at Harbour at New River, where panoramic water views, thoughtfully curated interiors, and an exceptional collection of amenities create an elevated residential experience.Residences feature sleek layouts, chef-worthy kitchens with Italian cabinetry and quartz countertops, spa-inspired baths, private balconies, and en-suite washers and dryers.Resort quality amenities include a rooftop pool with cabanas and jacuzzi, fitness center with sauna, coworking spaces, screening lounge, concierge service, pet park, and valet parking.
Frequently Asked Questions
Does Harbour at New River Apartments require renters insurance?
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Disclaimer
The information on this page — including rent prices, fees, floor plans, amenities, insurance requirements, and safety data — is collected from publicly available sources and may not reflect the most current details. Apartment communities may update their offerings, policies, and pricing at any time. Always confirm details directly with the leasing office or the community's official website before making any decisions.
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