Aerie Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Aerie Apartments in Little Havana? Rent here runs $1,070 – $1,250, and renters insurance adds about $18/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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121 NW 7th Ave, Miami, FL 33128

Little Havana

Built 2020 3 stories 12 units
3.5/5 ·15 reviews Google
1 review Apt. Finder
$1,070 – $1,250 /month

Monthly Cost Breakdown at Aerie Apartments

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

Total Monthly Cost $1,088 – $1,268
Base Rent $1,070 – $1,250
Est. Renters Insurance $18/mo

Renters Insurance at Aerie Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Aerie Apartments can push your insurance cost up or down:

Controlled Access

Electronic/key fob entry — reduces unauthorized entry risk

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

$18

Est. Monthly

$215

Est. Annual

$17

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 Aerie 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

$100,000 recommended

Standard minimum for most lease requirements in Florida

How Carriers Compare for This Area

Not all carriers price the same zip code equally. Here's how the major options stack up near Aerie Apartments:

Carrier Monthly Annual
Lemonade $11/mo $134/yr
USAA $13/mo $150/yr
State Farm $17/mo $200/yr
Progressive $18/mo $217/yr
Safeco $18/mo $217/yr
Travelers $19/mo $234/yr
Allstate $21/mo $250/yr
Nationwide $21/mo $250/yr
Farmers $22/mo $267/yr
Liberty Mutual $25/mo $301/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 $17/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. Aerie Apartments also has on-site security features (Controlled access) 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.

Noise Common topic
3×
Water Damage Mentioned
1×

On-Site Security

Controlled access

Flood Risk

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

Required Fees

Application Fee Per Applicant

Charged per applicant.

Administrative Fee

Charged per unit.

$25

Situational Fees

Security Deposit - Non-Refundable

Charged per unit.

Late Fee

Charged per unit.

$25

Amenities

Special Features

Bilingual Other Short Term Individual Climate Control

Community Features

Wi-Fi Laundry Facilities Maintenance on site 24 Hour Access Furnished Units Available Recycling Maid Service

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Security System Framed Mirrors Microwave Refrigerator Vinyl Flooring Furnished Window Coverings Balcony

About Aerie Apartments

Year Built: 2020
Stories: 3 stories
Units: 12
Phone: (855) 608-8313

From the property listing:

AERIE is a vibrant community in Miami, connecting professionals in modern, fully furnished, and sophisticated living spaces. We offer efficient apartments equipped with keyless access control, an affordable all-in-one utility package $125-$150/Month, and easy online rent payments through our user-friendly resident portal. Residents love our complimentary professional home cleaning, open living rooms, and comfortable private spaces! Need just a room? We offer FREE Roommate Matching services.

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

1521 SW 7 Street Apartments

Little Havana

$1,099 - $2,244 Ins: ~$22/mo

634 SW 2ND Apartments

Little Havana

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

Alhambra Apartments

Little Havana

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

Frequently Asked Questions

Does Aerie Apartments require renters insurance?
We didn't find a public insurance requirement for Aerie 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 Aerie Apartments?
For this zip code and building type, expect to pay around $18/month ($215/year). Aerie Apartments has security features that qualify for discounts — with those applied, you could pay as little as $17/month. For context, the statewide average is $16/month, so this building is above average.
What will I actually pay per month at Aerie Apartments?
Plan for $1,088 to $1,268/month all-in. That's base rent ($1,070 – $1,250), plus roughly $18/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
How safe is the area around Aerie 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 — features that can qualify for premium discounts.
Does Aerie 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 Aerie Apartments offer?
There are 2 floor plans to choose from, spanning 2-bedroom, 3-bedroom layouts. Rent ranges from $1,070 – $1,250. 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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