Advenir at Walden Lake Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Advenir at Walden Lake Apartments in Miami? Rent here runs $1,874 – $2,624, and renters insurance adds about $20/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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950 NW 214th St, Miami, FL 33169

Miami

Built 1986 3 stories 400 units
4.1/5 ·477 reviews Google
4/5 ·20 reviews Apt. Finder
$1,874 – $2,624 /month

Monthly Cost Breakdown at Advenir at Walden Lake Apartments

The listed rent isn't the whole number. Here's what Advenir at Walden Lake Apartments actually costs each month once you add required fees and insurance.

Total Monthly Cost $2,013 – $2,763
Base Rent $1,874 – $2,624
Required Monthly Fees $119
Est. Renters Insurance $20/mo

Renters Insurance at Advenir at Walden Lake Apartments

We found a few insurance details on Advenir at Walden Lake Apartments's website. Your lease may have additional requirements — treat these as a starting point.

Lease Requirements

Interested party* Add property to policy
See how your options compare. Get a quote

* 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 Advenir at Walden Lake Apartments can push your insurance cost up or down:

Older Building

Built in 1986 — older plumbing/electrical may increase risk

Gated Community

Gated access reduces theft risk — may qualify for security discount

Controlled Access

Electronic/key fob entry — reduces unauthorized entry risk

Pest Issues

3 mentions in Google reviews

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

$20

Est. Monthly

$236

Est. Annual

$18

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 Advenir at Walden Lake Apartments 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

Pool on premises — higher liability recommended for accidents at shared amenities

How Carriers Compare for This Area

Not all carriers price the same zip code equally. Here's how the major options stack up near Advenir at Walden Lake 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

Gated community
-5%
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 $18/mo

6 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. Advenir at Walden Lake Apartments also has on-site security features (Controlled access, Property manager on site, Gated) 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.

Pest Issues Common topic

On-Site Security

Controlled access Property manager on site Gated

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Advenir at Walden Lake 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 Advenir at Walden Lake Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Admin Service Charge

Charged per unit.

$16 / mo

Valet Trash

Charged per unit.

$47 / mo

Pest Control

Charged per unit.

$8 / mo

Application Fee

Charged per applicant.

$160

Administrative Fee

Charged per unit.

$300

Pets Fees

One-Time Pet Fee

Max of 2. Charged per pet.

$500

Monthly Pet Fee

Max of 2. Charged per pet.

$50 / mo

Addons Fees

Homebody Rent Reporting

Charged per unit.

Varies / mo

Amenities

Special Features

Cable ready Controlled Access Community Soccer Field Vaulted Ceilings Swimming Pool Tot Lot Washer/Dryer Wood-style flooring Lake Views Garbage disposal Heating Window Covering

Community Features

Maintenance on site Trash Pickup - Door to Door Planned Social Activities Pet Play Area Car Wash Area Public Transportation Key Fob Entry Clubhouse Walk-Up Grill Picnic Area Waterfront Fitness Center Pool Playground Basketball Court

Floor Plan Amenities

Washer/Dryer Air Conditioning Heating Smoke Free Cable Ready Security System Trash Compactor Tub/Shower Dishwasher Disposal Kitchen Oven Range Refrigerator Carpet Vinyl Flooring Dining Room Vaulted Ceiling Walk-In Closets Window Coverings Balcony Patio Yard Lawn

Pet Policy

Bringing a pet? Here's what Advenir at Walden Lake Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.

Cats Allowed
$50 Monthly Pet Rent
$500 Fee
2 Pet Limit

About Advenir at Walden Lake Apartments

Year Built: 1986
Stories: 3 stories
Units: 400
Phone: (754) 231-2491

From the property listing:

The Advenir at Walden Lake apartments for rent in North Miami offer one-, two-, or three-bedroom floor plans. Head to your fitness gym, basketball court, or swimming pool in your spare time. Our community is pet-friendly and allows up to two pets per apartment. Explore our community now to discover your new home. To qualify you must make 3 times one months rent. Additionally, an unsatisfactory credit report can disqualify an applicant from renting an apartment home at this community. A criminal background check will be run on all Applicants.

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.

Frequently Asked Questions

Does Advenir at Walden Lake Apartments require renters insurance?
We found specific coverage details on Advenir at Walden Lake Apartments's website — these likely reflect lease requirements, but confirm with the leasing office. 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 Advenir at Walden Lake Apartments?
For this zip code and building type, expect to pay around $20/month ($236/year). Advenir at Walden Lake Apartments has security features that qualify for discounts — with those applied, you could pay as little as $18/month. For context, the statewide average is $16/month, so this building is above average.
What will I actually pay per month at Advenir at Walden Lake Apartments?
Plan for $2,013 to $2,763/month all-in. That's base rent ($1,874 – $2,624), plus $119/month in required fees (trash, utilities, etc.), plus roughly $20/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Advenir at Walden Lake Apartments allow pets?
Yes, Advenir at Walden Lake Apartments is pet-friendly. Here are the details: Cats Allowed. $50 Monthly Pet Rent. $500 Fee. 2 Pet Limit. Standard renters insurance covers pet-related liability at no extra cost.
How safe is the area around Advenir at Walden Lake 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, property manager on site, gated — features that can qualify for premium discounts.
Does Advenir at Walden Lake Apartments need flood insurance?
This property sits in FEMA flood zone AE (High-risk flood area with base flood elevation). 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.
What floor plans does Advenir at Walden Lake Apartments offer?
There are 3 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,874 – $2,624. 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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