1314 SW 131st Pl Cir E, Miami, FL 33184
Westchester/Tamiami
Monthly Cost Breakdown at 1314 SW 131st Pl Cir E Rental
The listed rent isn't the whole number. Here's what 1314 SW 131st Pl Cir E Rental actually costs each month once you add required fees and insurance.
Renters Insurance at 1314 SW 131st Pl Cir E Rental
What Affects Your Premium Here
Every building is different. These factors specific to 1314 SW 131st Pl Cir E 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 1314 SW 131st Pl Cir E Rental based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$35,000
If you own more
$75,000
Liability
Covers accidental harm & lawsuits
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 1314 SW 131st Pl Cir E 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
Next Step
See if you can beat $16/mo
4 discounts may apply here. Real quotes show your actual price — estimates can't.
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
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
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.
Source: FBI UCR Program, Miami (2024-12 to 2025-11)
What Residents Are Saying
Based on Google reviews, here are the issues residents mention most often — and the ones that matter when choosing your coverage. Longer bars indicate more frequent discussion.
Flood Risk
Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for 1314 SW 131st Pl Cir E 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 1314 SW 131st Pl Cir E Rental. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Smart Home with video doorbell
Charged per unit.
Internet & Media
Charged per unit.
Utility Billing Service Fee
Charged per unit.
Air Filter Delivery Fee
Charged per unit.
Amenities
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what 1314 SW 131st Pl Cir E 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.
About 1314 SW 131st Pl Cir E Rental
From the property listing:
Lease this home and get more from Invitation Homes professional property management. This home comes fully loaded with quality amenities, must-have services, high-end tech and ProCare® professional maintenance. Your estimated total monthly payment is $3289.90. That covers your base rent, $3145.00 + our required services designed to make your life easier: Air Filter Delivery Fee ($9.95), Internet & Media ($85), Smart Home with video doorbell ($40), and Utility Billing Service Fee ($9.95). Base rent varies based on selected lease term.
Other Options Nearby
Still weighing your choices? These communities are in the same part of Miami — compare rent and estimated insurance cost side by side.
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Frequently Asked Questions
Does 1314 SW 131st Pl Cir E Rental require renters insurance?
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What will I actually pay per month at 1314 SW 131st Pl Cir E Rental?
Does 1314 SW 131st Pl Cir E Rental allow pets?
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Does 1314 SW 131st Pl Cir E Rental need flood 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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