610 NE 123rd St, North Miami, FL 33161
North Miami
Monthly Cost Breakdown at 610 NE 123RD 27MF Apartments
The listed rent isn't the whole number. Here's what 610 NE 123RD 27MF Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at 610 NE 123RD 27MF Apartments
What Affects Your Premium Here
Every building is different. These factors specific to 610 NE 123RD 27MF Apartments can push your insurance cost up or down:
Older Building
Built in 1967 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
FEMA Flood Zone
Zone X — minimal flood risk
What You'll Likely Pay
$22
Est. Monthly
$258
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 610 NE 123RD 27MF Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$20,000
If you own more
$50,000
Liability
Covers accidental harm & lawsuits
Standard minimum for most lease requirements in Florida. Cats present minimal liability risk vs dogs.
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near 610 NE 123RD 27MF 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
Next Step
See if you can beat $22/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 North Miami.
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 610 NE 123RD 27MF Apartments.
FEMA Zone X (0.2 Pct Annual Chance 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 610 NE 123RD 27MF Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Pets Fees
Dog Deposit
Charged per pet.
Dog Rent
Charged per pet.
Cat Deposit
Charged per pet.
Cat Rent
Charged per pet.
Amenities
Special Features
Pet Policy
Bringing a pet? Here's what 610 NE 123RD 27MF Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About 610 NE 123RD 27MF Apartments
From the property listing:
Located near major roads, public transportation, shopping, and everyday essentials, convenience is at your doorstep. Voucher clients welcome .. Smooth, efficient transactions guaranteed.
Other Options Nearby
Still weighing your choices? These communities are in the same part of North Miami — compare rent and estimated insurance cost side by side.
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Biscayne Gardens Apartments
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Gardens Residences Apartments
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Lakeside at Biscayne Gardens Apartments
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Manor Biscayne Apartments
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Frequently Asked Questions
Does 610 NE 123RD 27MF Apartments require renters insurance?
How much is renters insurance at 610 NE 123RD 27MF Apartments?
What will I actually pay per month at 610 NE 123RD 27MF Apartments?
Does 610 NE 123RD 27MF Apartments allow pets?
What floor plans does 610 NE 123RD 27MF Apartments offer?
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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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