2901 NE 1st Ave, Miami, FL 33137
Downtown Miami
Monthly Cost Breakdown at Cortland Midtown Miami Apartments
The listed rent isn't the whole number. Here's what Cortland Midtown Miami Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Cortland Midtown Miami Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Cortland Midtown Miami 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
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 2477/100K (57% above national average)
What You'll Likely Pay
$16
Est. Monthly
$188
Est. Annual
$14
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 Cortland Midtown Miami 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 Cortland Midtown Miami Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $10/mo | $123/yr |
| USAA | $12/mo | $138/yr |
| State Farm | $15/mo | $184/yr |
| Progressive | $17/mo | $200/yr |
| Safeco | $17/mo | $200/yr |
| Travelers | $18/mo | $215/yr |
| Allstate | $19/mo | $230/yr |
| Nationwide | $19/mo | $230/yr |
| Farmers | $20/mo | $246/yr |
| Liberty Mutual | $23/mo | $276/yr |
Discounts You May Qualify For
Next Step
See if you can beat $14/mo
7 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. Cortland Midtown Miami Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Concierge, Gated, Doorman, Sprinklers, Covered parking) 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.
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 Cortland Midtown Miami 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 Cortland Midtown Miami Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Liability Only Protection
Liability Only Protection: $15 due monthly Charged per unit.
Service Fee
Service Fee: $4.80 due monthly Charged per unit.
Pest Control
Pest Control: $8 due monthly Charged per unit.
Application Fee (per applicant)
Application Fee (per applicant): $125 due at application Charged per applicant.
Administration Fee (per household)
Administration Fee (per household): $250 deposit due at application Charged per unit.
Pets Fees
Dog - Pet Fee
Pet Fee: $400 due at move-in Charged per pet.
Dog - Monthly Pet Charge
Monthly Pet Charge: $25 due monthly Charged per pet.
Cat - Pet Fee
Pet Fee: $400 due at move-in Charged per pet.
Cat - Monthly Pet Charge
Monthly Pet Charge: $25 due monthly Charged per pet.
Parking Fees
Reserved or Covered Parking
Reserved or Covered Parking: $125 due monthly Charged per vehicle.
Addons Fees
Vehicle
Vehicle: $0 due monthly Charged per unit.
Situational Fees
Late Rent Fee
Late Rent Fee: 10% of rent due at late rent. Charged per unit.
Early Termination Fee
Early Termination Fee: 200% of rent due at early terminationCharged per unit.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Cortland Midtown Miami Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Cortland Midtown Miami Apartments
From the property listing:
Located just minutes from Miami Beach, Downtown Miami, and numerous shopping, dining, and entertainment spots, our apartments close to the University of Miami offer upscale apartment living with the feel of a private neighborhood. Designer features like custom cabinetry, quartz countertops, and private patios and balconies will make you proud to call any of our spacious studio, one, two, and three-bedroom penthouses and apartments in Midtown Miami, FL home. Convenience to public transportation and excellent walkability makes navigating the neighborhood a breeze.
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.
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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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