811 NW 43rd Ave, Miami, FL 33126
Miami
Monthly Cost Breakdown at 850 Living Apartments
The listed rent isn't the whole number. Here's what 850 Living Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at 850 Living Apartments
We found a few insurance details on 850 Living Apartments's 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 purchase your policy, most carriers have a field where you add the property as an interested party — skip that step and your proof may get rejected. It takes 30 seconds during checkout. Start a quote to see which carriers handle this automatically.
What Affects Your Premium Here
Every building is different. These factors specific to 850 Living Apartments can push your insurance cost up or down:
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
Dog-Friendly
Dogs allowed — consider higher liability coverage
FEMA Flood Zone
Zone AE — High-risk flood area with base flood elevation. Flood insurance strongly recommended.
FBI UCR
Property crime rate: 2477/100K (57% above national average)
What You'll Likely Pay
$14
Est. Monthly
$163
Est. Annual
$13
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 850 Living Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$25,000
If you own more
$60,000
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 850 Living Apartments:
| 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 $13/mo
5 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. 850 Living Apartments also has on-site security features (Controlled access, Covered parking) 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.
On-Site Security
Flood Risk
Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for 850 Living Apartments.
FEMA Zone AE — High-risk flood area with base flood elevation
Flood insurance strongly recommended — standard renters policies exclude flood damage.
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 850 Living Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Trash Services - Hauling
Amount for shared trash/waste services. Charged per unit.
Pest Control Services
Amount for pest control services. Charged per unit.
Utility - Billing Administrative Fee
Amount to manage utility services billing. Charged per unit.
Utility - Electric - Third Party
Usage-Based (Utilities).Amount for provision and consumptionof electric paid to a third party. Charged per unit. Payable to 3rd Party
Utility - Water/Sewer
Usage-Based (Utilities).Amount for provision and/or consumption of water and sewer services Charged per unit.
Renters Liability Insurance - Third Party
Amount for renters liability insurance obtained through resident's provider of choice. Charged per unit. Payable to 3rd Party
Application Fee
Amount to process application, initiate screening, and take a rental home off the market. Charged per leaseholder.
Security Deposit (Refundable)
Amount intended to be held through residency that may be applied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit.
Utility - New Account Fee
Amount to establish utility services. Charged per unit.
Administrative Fee
Amount to facilitate move-in process for a resident. Chargedper unit.
Utility - Final Bill Fee
Amount billed to calculate final utility statement. Charged per unit.
Pets Fees
Pet Rent
Please call our Leasing Office for complete Pet Policy information.
Pet Management - Third Party
Max of 1. Amount for authorized pet registration and screening services. Charged per pet. Payable to 3rd Party
Parking Fees
Parking Fee
Max of 1. Amount for parking space/services. May be subject to availability. Charged per vehicle.
Parking - Vehicle Registration
Max of 1. Amount for authorized vehicle registration. Charged per vehicle.
Parking - Guest
Max of 1. Amount for guest parking space/services. May be subject to availability. Charged per vehicle. Payable to 3rd Party
Other
$35 one time fee for first vehicle. Additional vehicles are $35 one time fee, and $75 monthly. Please call us for complete Parking information.
Garage Lot
$35 one time fee for first vehicle. Additional vehicles are $35 one time fee, and $75 monthly. Please call us for complete Parking information.
Addons Fees
Cable TV and Internet Services
Amount for cable and internet services in rental home. Charged per unit.
Situational Fees
Intra-Community Transfer Fee
Amount due when transferring to another rental unit within community. Charged per unit.
Liquidated Damages
Amount for not satisfying the application and/or lease termsCharged per unit.
Access Device
Amount to obtain an access device for community; fobs, keys,remotes, access passes. Charged per unit.
Renters Liability Only - Non-Compliance
Amount for not maintaining required Renters Liability PolicyCharged per unit.
Lease Violation
Amount for violation of community policies and/or per lease terms. Charged per unit.
Returned Payment Fee (NSF)
Amount for returned payment. Charged per unit.
Early Lease Termination/Cancellation
Amount to terminate lease earlier than lease end date; excludes rent and other charges. Charged per unit.
Legal/Eviction Fees
Amount for legal expenses incurred for lease violations. Charged per unit.
Security Deposit - Additional (Refundable)
Additional amount, based on screening results, intended to be held through residency that may be applied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what 850 Living 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.
About 850 Living Apartments
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.
2000 Towerside Terrace Condo
Miami
275 Fontaine Parc Apartments
Miami
7 West Apartments
Miami
Advenir at Walden Lake Apartments
Miami
Alexan Kendall Apartments
Miami
AMLI Dadeland Apartments
Miami
Frequently Asked Questions
Does 850 Living Apartments require renters insurance?
How much is renters insurance at 850 Living Apartments?
What will I actually pay per month at 850 Living Apartments?
Does 850 Living Apartments allow pets?
How safe is the area around 850 Living Apartments?
Does 850 Living Apartments need flood insurance?
What floor plans does 850 Living Apartments offer?
Get Renters Insurance for 850 Living Apartments
See how much you could save on renters insurance
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.
SafeButler Inc. strives to ensure that the information on this site is up to date, but we will not be held liable for any delays, inaccuracies, errors, or omissions. This site and all materials contained on it are distributed and provided "as is" and "as available" for use. SafeButler.com makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.