1490 NE 123rd St, North Miami, FL 33161
North Miami
Monthly Cost Breakdown at Biscayne Apartments
The listed rent isn't the whole number. Here's what Biscayne Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Biscayne Apartments
We found a few insurance details on Biscayne Apartments's website. Your lease may have additional requirements — treat these as a starting point.
Lease Requirements
* 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 Biscayne Apartments can push your insurance cost up or down:
Older Building
Built in 1985 — 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
Security System Issues
1 mentions of broken gates, cameras, or locks in reviews
FEMA Flood Zone
Zone AE — High-risk flood area with base flood elevation. Flood insurance strongly recommended.
What You'll Likely Pay
$19
Est. Monthly
$224
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 Biscayne Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$20,000
If you own more
$50,000
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 Biscayne 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
Next Step
See if you can beat $17/mo
6 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 North Miami.
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.
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 Biscayne 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 Biscayne Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Water/Sewer Admin Fee
Water/Sewer Admin Fee: $1 due monthly Charged per unit.
Facilities Fee
Facilities Fee: $15 due monthly Charged per unit.
Pest Control Fee
Pest Control Fee: $5 due monthly Charged per unit.
Valet Trash
Valet Trash: $50 due monthly Charged per unit.
Tech Package
Tech Package: $90 due monthly Charged per unit.
Application Fee (per applicant)
Application Fee (per applicant): $100 due at application Charged per applicant.
Admin Fee
Admin Fee: $250 deposit due at application Charged per unit.
Ancillary Billing Fee
Ancillary Billing Fee: $4.30 due at move-in Charged per unit
Addons Fees
Pet Fee
Pet Fee: $500 due at move-in Charged per unit.
Deposit
Deposit- can be higher depending on credit: $0 due at move-in Charged per unit.
Reserved Parking Fee
Reserved Parking Fee: $25 due monthly Charged per unit.
Pet Rent
Pet Rent: $25 due monthly Charged per unit.
Waiver Deposit Fee
Waiver Deposit Fee: $41 due monthly Charged per unit.
Amenities
Special Features
Community Features
Floor Plan Amenities
About Biscayne Apartments
From the property listing:
Welcome to Biscayne! Our apartment homes are located in North Miami, FL and feature one and two-bedroom floor plans. Each cable-ready apartment home includes a large balcony, a fully equipped kitchen including frost-free refrigerator and dishwasher. Biscayne is a pet-friendly property and features laundry rooms on every floor, 24-hour maintenance, two swimming pools with jacuzzi, fitness center, tennis court and controlled access gates. ¡Hablamos Español! Personal bilingüe listo para ayudarte. ¡Visítanos hoy!
Other Options Nearby
Still weighing your choices? These communities are in the same part of North Miami — compare rent and estimated insurance cost side by side.
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Manor Biscayne Apartments
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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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