Alhambra Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Alhambra Apartments in Little Havana? Rent here runs $2,195 – $2,295, 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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3100 W Flagler St, Miami, FL 33135

Little Havana

Built 1966 3 stories 42 units
3.1/5 ·24 reviews Google
Apt. Finder
$2,195 – $2,295 /month

Monthly Cost Breakdown at Alhambra Apartments

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

Total Monthly Cost $2,217 – $2,317
Base Rent $2,195 – $2,295
Est. Renters Insurance $22/mo

Renters Insurance at Alhambra Apartments

What Affects Your Premium Here

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

Older Building

Built in 1966 — older plumbing/electrical may increase risk

Gated Community

Gated access reduces theft risk — may qualify for security discount

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

$20

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

Next Step

See if you can beat $20/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. Alhambra Apartments also has on-site security features (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.

Noise Common topic
3×
Maintenance Issues Mentioned
1×

On-Site Security

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 Alhambra 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 Alhambra 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.

$150

Pets Fees

Pet Deposit

Charged per pet.

Free

One-Time Pet Fee

Charged per pet.

$250

Monthly Pet Fee

Charged per pet.

Free

Parking Fees

Parking Fee

Max of 1. Charged per vehicle.

Free

Surface Lot

Parking Available

Amenities

Community Features

Laundry Facilities Elevator Courtyard Pool

Floor Plan Amenities

Air Conditioning Cable Ready Tub/Shower Granite Countertops Refrigerator Quartz Countertops Tile Floors Balcony

Pet Policy

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

Pet policies are negotiable.

About Alhambra Apartments

Year Built: 1966
Stories: 3 stories
Units: 42
Phone: (305) 442-9222

From the property listing:

Beautifully maintained building in central Miami that is close driving distance to Miami International Airport, downtown Miami and Little Havana. This 3-story building has 42 apartments that include both 1 bedroom and 2 bedroom apartments. This gated building hosts a large pool with courtyard, laundry rooms on every floor, gated parking. One parking spot assigned with every apartment and additional parking available. Come feel at home at Alhambra 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.

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

Aerie Apartments

Little Havana

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

Frequently Asked Questions

Does Alhambra Apartments require renters insurance?
We didn't find a public insurance requirement for Alhambra 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 Alhambra Apartments?
For this zip code and building type, expect to pay around $22/month ($258/year). Alhambra Apartments has security features that qualify for discounts — with those applied, you could pay as little as $20/month. For context, the statewide average is $16/month, so this building is above average.
What will I actually pay per month at Alhambra Apartments?
Plan for $2,217 to $2,317/month all-in. That's base rent ($2,195 – $2,295), 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 Alhambra Apartments allow pets?
Pet policies at Alhambra Apartments are handled on a case-by-case basis — contact the leasing office for details.
How safe is the area around Alhambra 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 gated — features that can qualify for premium discounts.
What floor plans does Alhambra Apartments offer?
There is 1 floor plan available, a 2-bedroom layout. Rent ranges from $2,195 – $2,295. 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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