11239 SW 5th Terrace Rental: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at 11239 SW 5th Terrace Rental in Sweetwater Groves? Rent here runs From $2,100, and renters insurance adds about $16/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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11239 SW 5th Terrace, Miami, FL 33174

Sweetwater Groves

4.4/5 ·7 reviews Google
From $2,100 /month

Monthly Cost Breakdown at 11239 SW 5th Terrace Rental

The listed rent isn't the whole number. Here's what 11239 SW 5th Terrace Rental actually costs each month once you add required fees and insurance.

Total Monthly Cost $2,116
Base Rent $2,100
Est. Renters Insurance $16/mo

Renters Insurance at 11239 SW 5th Terrace Rental

What Affects Your Premium Here

Every building is different. These factors specific to 11239 SW 5th Terrace Rental can push your insurance cost up or down:

Open Access

No gated or controlled access — higher theft exposure

Dog-Friendly

Dogs allowed — consider higher liability coverage

FEMA Flood Zone

Zone AH — High-risk shallow flooding (1-3 ft). Flood insurance strongly recommended.

FBI UCR

Property crime rate: 2477/100K (57% above national average)

What You'll Likely Pay

$16

Est. Monthly

$187

Est. Annual

$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 (think furniture, electronics, clothes), and liability coverage, which protects you if someone gets hurt in your unit or you accidentally damage someone else's property. Here's what we'd recommend for 11239 SW 5th Terrace Rental based on the rent level and building features.

Personal Property

What your stuff is worth

$40,000 recommended

If you own less

$25,000

If you own more

$60,000

Liability

Covers accidental harm & lawsuits

$300,000 recommended

Dog-friendly community — higher liability recommended for pet-related incidents

How Carriers Compare for This Area

Not all carriers price the same zip code equally. Here's how the major options stack up near 11239 SW 5th Terrace Rental:

Carrier Monthly Annual
Lemonade $9/mo $107/yr
USAA $10/mo $120/yr
State Farm $13/mo $160/yr
Progressive $14/mo $174/yr
Safeco $14/mo $174/yr
Travelers $16/mo $187/yr
Allstate $17/mo $200/yr
Nationwide $17/mo $200/yr
Farmers $18/mo $214/yr
Liberty Mutual $20/mo $240/yr

Discounts You May Qualify For

Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $16/mo

4 discounts may apply here. Real quotes show your actual price — estimates can't.

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Property Crime & Theft Risk

Renters insurance pricing is driven by property crime — theft, burglary, and vehicle break-ins — not violent crime. Here's what the FBI's Uniform Crime Reporting data shows for Miami.

Miami property crime rate

2,477

per 100K residents

57% above U.S. avg

U.S. avg is 1,578 per 100K

Breakdown per 100K residents

Burglary
232 / 200
Larceny / theft
1,994 / 1,172
Vehicle theft
252 / 206

U.S. average

Higher-than-average property crime is why insurance carriers charge more in this zip code — your premium reflects the claims frequency for the area. 11239 SW 5th Terrace Rental also has on-site security features (Perimeter fencing) that insurers recognize with discounts.

Source: FBI UCR Program, Miami (2024-12 to 2025-11)

On-Site Security

Perimeter fencing

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for 11239 SW 5th Terrace Rental.

FEMA Zone AH — High-risk shallow flooding (1-3 ft)

Flood insurance strongly recommended — even shallow flooding can destroy personal property.

What to know about flood insurance as a renter:

  • Your landlord's building policy does not cover your belongings
  • NFIP (National Flood Insurance Program) 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 structural damage

Flood zone data from FEMA National Flood Hazard Layer (NFHL). Zones can change — verify at FEMA Flood Map Service.

Fees Beyond Rent

These are the additional charges beyond base rent at 11239 SW 5th Terrace Rental. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Security Deposit - Refundable

Charged per unit.

$2,100

Amenities

Community Features

Fenced Lot

Floor Plan Amenities

Oven Refrigerator Freezer

Pet Policy

Bringing a pet? Here's what 11239 SW 5th Terrace Rental allows — and keep in mind, if you have a dog, most insurance advisors recommend bumping your liability coverage to at least $300,000. Standard renters policies cover pet-related incidents, but the default $100,000 limit may not be enough if something happens.

Cats and Dogs Allowed

About 11239 SW 5th Terrace Rental

Phone: (305) 283-8927

From the property listing:

Property Id: 1727709 Welcome to your new home in Miami! This charming single unit property next to FIU laminate flooring, a fenced yard, and off-street parking. With included utilities and pet-friendly policies, this cozy space is perfect for small dogs and cats. Don't miss out on this gem at 11239 SW 5th Ter!

Other Options Nearby

Still weighing your choices? Other communities in Miami — compare rent and estimated insurance cost side by side.

Lapis Apartments

Sweetwater Groves

$1,005 - $1,480 Ins: ~$14/mo
FEMA Zone AH — flood risk

1000 Brickell Plz Condo

Downtown Miami

$4,900 Ins: ~$16/mo
FEMA Zone AE — flood risk

1025 Metro Apartments

Hialeah

$1,957 - $3,155 Ins: ~$16/mo
FEMA Zone AH — flood risk

1050 NW 2nd Street Apartments

Little Havana

$1,243 - $2,242 Ins: ~$22/mo
FEMA Zone AE — flood risk

10X Miami River Apartments

Little Havana

$2,191 - $8,249 Ins: ~$18/mo
FEMA Zone AE — flood risk

11542 SW 148th Path Townhouse

The Hammocks

$3,350 Ins: ~$16/mo

Frequently Asked Questions

Does 11239 SW 5th Terrace Rental require renters insurance?
We didn't find a public insurance requirement for 11239 SW 5th Terrace Rental, but that doesn't mean there isn't one. Many communities add the requirement during lease signing. It's worth asking the leasing office directly — and even if it's not required, a policy typically runs under $20/month and covers you against theft, fire, and liability.
How much is renters insurance at 11239 SW 5th Terrace Rental?
For this zip code and building type, expect to pay around $16/month ($187/year). For context, the statewide average is $16/month, so this building is right around average.
What will I actually pay per month at 11239 SW 5th Terrace Rental?
Plan for about $2,116/month all-in. That's base rent (From $2,100), plus roughly $16/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does 11239 SW 5th Terrace Rental allow pets?
Yes, 11239 SW 5th Terrace Rental is pet-friendly. Here are the details: . Cats and Dogs Allowed. If you have a pet, keep in mind that most renters insurance policies cover pet liability — but you may want to increase your liability limit, especially for larger breeds.
How safe is the area around 11239 SW 5th Terrace Rental?
Property crime in Miami runs noticeably higher than the national average — 2,477 incidents per 100,000 residents versus the U.S. average of 1,578. That's the metric insurance carriers care about most for renters coverage, since property crime (theft, burglary, vehicle break-ins) drives most claims. Burglary specifically is 232/100K here. On the property itself, you'll find perimeter fencing — features that can qualify for premium discounts.
Does 11239 SW 5th Terrace Rental need flood insurance?
This property sits in FEMA flood zone AH (High-risk shallow flooding (1-3 ft)). Standard renters insurance does not cover flood damage — you'd need a separate flood policy or endorsement. The National Flood Insurance Program (NFIP) offers renters policies starting around $99/year, and private carriers like Neptune and Wright Flood may offer competitive rates.

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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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