Miami, FL

Blu Aventura Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Blu Aventura Apartments in Aventura? Rent here runs $2,425 – $6,800, and renters insurance adds about $13/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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2335 NE 186th St, Miami, FL 33180

Aventura

Managed by Goldberg Companies Built 2026 6 stories 350 units
4.2/5 ·10 reviews Google
Apt. Finder
$2,425 – $6,800 /month

Monthly Cost Breakdown at Blu Aventura Apartments

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

Total Monthly Cost $2,938 – $7,313
Base Rent $2,425 – $6,800
Required Monthly Fees $500
Est. Renters Insurance $13/mo

Renters Insurance at Blu Aventura Apartments

What Affects Your Premium Here

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

Gated Community

Gated access reduces theft risk — may qualify for security discount

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.

FBI UCR

Property crime rate: 2477/100K (57% above national average)

What You'll Likely Pay

$13

Est. Monthly

$155

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 Blu Aventura 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

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 Blu Aventura Apartments:

Carrier Monthly Annual
Lemonade $8/mo $102/yr
USAA $10/mo $114/yr
State Farm $13/mo $152/yr
Progressive $14/mo $165/yr
Safeco $14/mo $165/yr
Travelers $15/mo $178/yr
Allstate $16/mo $190/yr
Nationwide $16/mo $190/yr
Farmers $17/mo $203/yr
Liberty Mutual $19/mo $228/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 $12/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. Blu Aventura Apartments also has on-site security features (Package service, Property manager on site, Gated access, Doorman, Package lockers, Covered parking, On site maintenance) 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 Mentioned
1×

On-Site Security

Package service Property manager on site Gated access Doorman Package lockers Covered parking On site maintenance

Flood Risk

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

Required Fees

Life Style Fee

Charged per unit.

$125 / mo

Application Fee Per Applicant

Charged per applicant.

$125

Administrative Fee

Charged per unit.

$300

Pets Fees

Dog Fee

Charged per pet.

$450

Dog Rent

Charged per pet.

$30 / mo

Cat Fee

Charged per pet.

$450

Cat Rent

Charged per pet.

$30 / mo

Parking Fees

Garage Lot

1 space is included, $100 per additional space per month. Covered garage, resident parking begins on the 3rd floor and is accessed through a gated entrance.

Amenities

Special Features

Dual bathroom vanities with quartz countertops Full height quartz backsplashes in kitchens Valet trash service Wrap around patios/balconies* 24-hour emergency maintenance Bike storage California-style walk-in closets Dens available in select suites* Easy access to Biscayne Blvd and I-95 Frameless walk-in showers with stone flooring Garden soaking tubs* Smoke-free community Spacious patios/balconies Undermount sinks with pullout spray faucets Built-in shelving in bar area Chill lounge with kitchen and seating Cordless window roller shades Garage parking Rain showerheads Car charging stations Double-door refrigerators with bottom freezers Electric cooktop stoves and ovens with ranges Elevators Full-height bathroom wall tile in bath/shower Large bedrooms accommodate king size furniture Premium light fixtures 9'6in ceilings/106in ceilings on top floor Custom cabinetry with undermount LED lighting Hardwood-inspired flooring throughout Quartz waterfall edge islands* Wine refrigerators/coolers Full-size, in-suite washers and dryers Gallery with café-style seating and market pantry Gear Garage e-transport rental room Matte black and ash grey fixtures and hardware Online system for resident services Planned community activities Central heating and air conditioning Media lounge Package room Professional on-site management Under cabinet trash pull-outs Ceiling fans with overhead lighting Covered pavilion with TVs and grills Furnished guest suite Owner-managed Preferred Employer Program Studio, 1-, 2- & 3-bedroom suites

Community Features

Wi-Fi Furnished Units Available On-Site Retail Trash Pickup - Door to Door Online Services Planned Social Activities Pet Washing Station Car Charging Station Elevator Business Center Clubhouse Lounge Multi Use Room Breakfast/Coffee Concierge Disposal Chutes Conference Rooms Corporate Suites Roof Terrace Grill Fitness Center Pool Bicycle Storage Gameroom

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Air Conditioning Heating Ceiling Fans Smoke Free Double Vanities Framed Mirrors Dishwasher Disposal Stainless Steel Appliances Pantry Eat-in Kitchen Kitchen Microwave Oven Range Refrigerator Freezer Quartz Countertops Walk-In Closets Large Bedrooms Balcony Patio

Pet Policy

Bringing a pet? Here's what Blu Aventura 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.

Cats and Dogs Allowed
$30 Monthly Pet Rent
$450 Fee

About Blu Aventura Apartments

Year Built: 2026
Stories: 6 stories
Units: 350
Management: Goldberg Companies
Phone: (216) 545-9710

From the property listing:

Move in by July 1st to receive up to TWO MONTHS FREE! Call for details.

Other Options Nearby

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

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

11542 SW 148th Path Townhouse

The Hammocks

$3,350 Ins: ~$16/mo

Frequently Asked Questions

Does Blu Aventura Apartments require renters insurance?
We didn't find a public insurance requirement for Blu Aventura 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 Blu Aventura Apartments?
For this zip code and building type, expect to pay around $13/month ($155/year). Blu Aventura 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 Blu Aventura Apartments?
Plan for $2,938 to $7,313/month all-in. That's base rent ($2,425 – $6,800), plus $500/month in required fees (trash, utilities, etc.), plus roughly $13/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Blu Aventura Apartments allow pets?
Yes, Blu Aventura Apartments is pet-friendly. Here are the details: Cats and Dogs Allowed. $30 Monthly Pet Rent. $450 Fee. 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.
How safe is the area around Blu Aventura 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 package service, property manager on site, gated access, doorman — features that can qualify for premium discounts.
Does Blu Aventura 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 Blu Aventura Apartments offer?
There are 14 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom, studio layouts. Rent ranges from $2,425 – $6,800. 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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