1521 SW 7 Street Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at 1521 SW 7 Street Apartments in Little Havana? Rent here runs $1,099 – $2,244, and renters insurance adds about $22/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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1521 SW 7th St, Miami, FL 33135

Little Havana

Built 1924 2 stories 12 units
4.1/5 ·7 reviews Google
Apt. Finder
$1,099 – $2,244 /month

Monthly Cost Breakdown at 1521 SW 7 Street Apartments

The listed rent isn't the whole number. Here's what 1521 SW 7 Street Apartments actually costs each month once you add required fees and insurance.

Total Monthly Cost $1,121 – $2,266
Base Rent $1,099 – $2,244
Est. Renters Insurance $22/mo

Renters Insurance at 1521 SW 7 Street Apartments

What Affects Your Premium Here

Every building is different. These factors specific to 1521 SW 7 Street Apartments can push your insurance cost up or down:

Older Building

Built in 1924 — older plumbing/electrical may increase risk

Controlled Access

Electronic/key fob entry — reduces unauthorized entry risk

Dog-Friendly

Dogs allowed — consider higher liability coverage

FEMA Flood Zone

Zone X — minimal flood risk

FBI UCR

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

What You'll Likely Pay

$22

Est. Monthly

$258

Est. Annual

$21

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 (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 1521 SW 7 Street Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$25,000 recommended

If you own less

$15,000

If you own more

$40,000

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 1521 SW 7 Street Apartments:

Carrier Monthly Annual
Lemonade $11/mo $128/yr
USAA $12/mo $144/yr
State Farm $16/mo $192/yr
Progressive $17/mo $208/yr
Safeco $17/mo $208/yr
Travelers $19/mo $224/yr
Allstate $20/mo $240/yr
Nationwide $20/mo $240/yr
Farmers $21/mo $256/yr
Liberty Mutual $24/mo $289/yr

Discounts You May Qualify For

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

Next Step

See if you can beat $21/mo

5 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. 1521 SW 7 Street Apartments also has on-site security features (Controlled access, Video patrol) that insurers recognize with discounts.

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.

Water Damage Mentioned
1×

On-Site Security

Controlled access Video patrol

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for 1521 SW 7 Street Apartments.

FEMA Zone X (Area Of Minimal Flood Hazard) — Minimal flood risk

Flood insurance optional but inexpensive in this zone.

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 1521 SW 7 Street Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Pets Fees

One-Time Pet Fee

Charged per pet.

$250

Parking Fees

Surface Lot

Parking Available

Amenities

Community Features

24 Hour Access Trash Pickup - Curbside Public Transportation

Floor Plan Amenities

Air Conditioning Cable Ready Tub/Shower Handrails Granite Countertops Kitchen Microwave Oven Range Refrigerator Freezer Warming Drawer Tile Floors Walk-In Closets Double Pane Windows Window Coverings Large Bedrooms

Pet Policy

Bringing a pet? Here's what 1521 SW 7 Street Apartments 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
$250 Fee
35 lb Weight Limit

About 1521 SW 7 Street Apartments

Year Built: 1924
Stories: 2 stories
Units: 12
Phone: (786) 442-1835

From the property listing:

Enjoy Miami living at 1521 SW 7 Street. This property is situated on SW 7th St in Miami. Let the knowledgeable leasing staff show you everything this community has to offer. Stop by the leasing office to learn more about our community.

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.

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

1376 SW 4th St Apartments

Little Havana

$1,365 - $5,100 Ins: ~$17/mo
FEMA Zone AH — flood risk

634 SW 2ND Apartments

Little Havana

$2,570 Ins: ~$21/mo
FEMA Zone AE — flood risk

Aerie Apartments

Little Havana

$1,070 - $1,250 Ins: ~$18/mo
FEMA Zone AE — flood risk

Alhambra Apartments

Little Havana

$2,195 - $2,295 Ins: ~$22/mo

Frequently Asked Questions

Does 1521 SW 7 Street Apartments require renters insurance?
We didn't find a public insurance requirement for 1521 SW 7 Street Apartments, 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 1521 SW 7 Street Apartments?
For this zip code and building type, expect to pay around $22/month ($258/year). 1521 SW 7 Street Apartments has security features that qualify for discounts — with those applied, you could pay as little as $21/month. For context, the statewide average is $16/month, so this building is above average.
What will I actually pay per month at 1521 SW 7 Street Apartments?
Plan for $1,121 to $2,266/month all-in. That's base rent ($1,099 – $2,244), plus roughly $22/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does 1521 SW 7 Street Apartments allow pets?
Yes, 1521 SW 7 Street Apartments is pet-friendly. Here are the details: Cats and Dogs Allowed. $250 Fee. 35 lb Weight Limit. 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 1521 SW 7 Street Apartments?
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 controlled access, video patrol — features that can qualify for premium discounts.
What floor plans does 1521 SW 7 Street Apartments offer?
There are 2 floor plans to choose from, spanning 1-bedroom, studio layouts. Rent ranges from $1,099 – $2,244. Your unit size can affect your insurance cost too — a larger unit typically means more belongings to cover.

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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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