3811 Shipping Ave, Miami, FL 33146
Southeast Gables
Monthly Cost Breakdown at Avalon Merrick Park Apartments
The listed rent isn't the whole number. Here's what Avalon Merrick Park Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Avalon Merrick Park Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Avalon Merrick Park Apartments can push your insurance cost up or down:
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 2477/100K (57% above national average)
What You'll Likely Pay
$12
Est. Monthly
$139
Est. Annual
$11
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 Avalon Merrick Park 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
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 Avalon Merrick Park Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $8/mo | $91/yr |
| USAA | $9/mo | $102/yr |
| State Farm | $11/mo | $136/yr |
| Progressive | $12/mo | $148/yr |
| Safeco | $12/mo | $148/yr |
| Travelers | $13/mo | $159/yr |
| Allstate | $14/mo | $170/yr |
| Nationwide | $14/mo | $170/yr |
| Farmers | $15/mo | $182/yr |
| Liberty Mutual | $17/mo | $204/yr |
Discounts You May Qualify For
Next Step
See if you can beat $11/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. Avalon Merrick Park Apartments also has on-site security features (Controlled access, Concierge, Doorman, Covered parking) that insurers recognize with discounts.
Source: FBI UCR Program, Miami (2024-12 to 2025-11)
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 Avalon Merrick Park 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 Avalon Merrick Park Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Application Fees
Charged per applicant.
Security Deposit
Charged per unit.
Lease Admin Fee
Charged per unit.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Avalon Merrick Park Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Avalon Merrick Park Apartments
From the property listing:
With convenient access to downtown the Shops at Merrick Park and downtown Miami, Avalon Merrick Park offers luxury studio, 1, 2, and 3 bedroom apartment homes for lease. Modern, open concept kitchens feature quartz countertops, stainless steel appliances, backsplash and under-cabinet lighting. Live effortlessly with amenities that include a fitness center with two studios, multiple indoor and outdoor lounges, 2,500 sq ft co-working area and pet-friendly spaces including a WAG pet program and spa. This is not just apartment living. This is living up.
Other Options Nearby
Still weighing your choices? Other communities in Miami — compare rent and estimated insurance cost side by side.
Cascade Link at Douglas Apartments
Southeast Gables
Core Link at Douglas Apartments
Southeast Gables
Gables Ponce Apartments
Southeast Gables
Modera Douglas Station Apartments
Southeast Gables
The Residences at Merrick Park Apartments
Southeast Gables
1000 Brickell Plz Condo
Downtown Miami
Frequently Asked Questions
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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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