Miami Beach, FL

Avara Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Avara Apartments in Mid-Beach? Rent here runs $3,460 – $13,295, and renters insurance adds about $14/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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3900 Alton Rd, Miami Beach, FL 33140

Mid-Beach

Managed by Bozzuto Built 2025 9 stories 178 units
5/5 ·24 reviews Google
Apt. Finder
$3,460 – $13,295 /month

Monthly Cost Breakdown at Avara Apartments

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

Total Monthly Cost $3,579 – $13,414
Base Rent $3,460 – $13,295
Required Monthly Fees $105
Est. Renters Insurance $14/mo

Renters Insurance at Avara Apartments

What Affects Your Premium Here

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

Gated Community

Gated access reduces theft risk — may qualify for security discount

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.

What You'll Likely Pay

$14

Est. Monthly

$163

Est. Annual

$12

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 Avara Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$50,000 recommended

If you own less

$35,000

If you own more

$75,000

Liability

Covers accidental harm & lawsuits

$300,000 recommended

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 Avara 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

Gated community
-5%
Controlled access
-3%
Sprinkler system
-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 $12/mo

7 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 Beach.

On-Site Security

Package service Controlled access Property manager on site Concierge Gated Doorman Sprinklers Covered parking

Flood Risk

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

Required Fees

Pest Control

Charged per unit.

$5 / mo

High Speed Internet Access

Charged per unit.

$85 / mo

Application Fee Per Applicant

Charged per applicant.

$125

Administrative Fee

Charged per unit.

$350

Security Deposit - Non-Refundable

Starting at $400 Charged per unit.

$400

Pets Fees

One-Time Pet Fee

Max of 2. Charged per pet.

$500

Monthly Pet Fee

Max of 2. Charged per pet.

$50 / mo

Parking Fees

Parking Deposit

Charged per vehicle.

Free

Parking Fee

Charged per vehicle.

$175 / mo

Amenities

Community Features

Wi-Fi Maintenance on site Recycling Pet Washing Station Car Charging Station Key Fob Entry Elevator Business Center Clubhouse Lounge Conference Rooms Sundeck Cabana Grill Waterfront Fitness Center Pool Bicycle Storage

Floor Plan Amenities

High Speed Internet Access Wi-Fi Washer/Dryer Air Conditioning Ceiling Fans Smoke Free Cable Ready Tub/Shower Intercom Sprinkler System Dishwasher Disposal Ice Maker Stainless Steel Appliances Island Kitchen Kitchen Microwave Oven Range Refrigerator Freezer Quartz Countertops Tile Floors High Ceilings Walk-In Closets Window Coverings Floor to Ceiling Windows Balcony

Pet Policy

Bringing a pet? Here's what Avara 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.

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

About Avara Apartments

Year Built: 2025
Stories: 9 stories
Units: 178
Management: Bozzuto
Phone: (786) 841-2058

From the property listing:

Discover Avara, a boutique apartment community nestled on Alton Road offering studio, one-bedroom, two-bedroom, three-bedroom, and penthouse floor plans. With its soft geometric contours and coveted location just across the bridge to Miami Beach, Avara is a modern masterpiece at the nexus of Miami. Our bespoke community is a different kind of Miami Beach residence -- a centrally located oasis that puts the emphasis on artistic design, seamless urban access, and and an elevated contemporary lifestyle.

Other Options Nearby

Still weighing your choices? Other communities in Miami Beach — compare rent and estimated insurance cost side by side.

Gator Apartments

Mid-Beach

$1,850 - $2,000 Ins: ~$18/mo
FEMA Zone AE — flood risk

1000 Brickell Plz Condo

Downtown Miami

$4,900 Ins: ~$16/mo
FEMA Zone AE — flood risk

1025 Metro Apartments

Hialeah

$1,957 - $3,155 Ins: ~$16/mo
FEMA Zone AH — flood risk

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

11239 SW 5th Terrace Rental

Sweetwater Groves

$2,100 Ins: ~$16/mo
FEMA Zone AH — flood risk

Frequently Asked Questions

Does Avara Apartments require renters insurance?
We didn't find a public insurance requirement for Avara 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 Avara Apartments?
For this zip code and building type, expect to pay around $14/month ($163/year). Avara Apartments has security features that qualify for discounts — with those applied, you could pay as little as $12/month. For context, the statewide average is $16/month, so this building is below average.
What will I actually pay per month at Avara Apartments?
Plan for $3,579 to $13,414/month all-in. That's base rent ($3,460 – $13,295), plus $105/month in required fees (trash, utilities, etc.), plus roughly $14/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Avara Apartments allow pets?
Yes, Avara Apartments is pet-friendly. Here are the details: Dogs Allowed. $50 Monthly Pet Rent. $500 Fee. 2 Pet Limit. If you have a pet, keep in mind that most renters insurance policies cover pet liability — but you may want to increase your liability limit, especially for larger breeds.
Does Avara 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 Avara Apartments offer?
There are 29 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $3,460 – $13,295. 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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