The Verdict · Miami Beach, FL
$1,853–$1,953
real monthly · incl. fees + insurance
4★
31 Google reviews
Flood-zone location
worth watching
A solidly reviewed community where the real cost runs ~$53 over sticker, and flood coverage isn't optional in FEMA zone AE.
Looking for renters insurance?
It runs about $18/mo — see what renters insurance in Miami Beach, FL typically costs.
What Residents Say
The honest version — the good and the bad, straight from recent Google reviews of Edwards Apartments.
“I really like Edwards Apartments, it offers great neighbors, it’s close to the beach, and offers many convenient places to eat and shop.”
“The staff in the building make it a pleasure to be here, the building is clean and welcoming. This building is historic and well preserved.”
“I just moved in and I’m extremely satisfied with my experience thus far. The apartment design is very functional and beautiful. They thought of everything to make you feel at home. The management and neighbors are helpful. The location is fantastic. I spent the weekend biking, beaching and sunset …”
“I visited my friend and her husband here a few weeks ago and I was totally grossed out by the amount of roaches I saw. They were everywhere, from the doorway, the bathroom, kitchen cabinets, sink, pipes, corners. The exterminator company management uses does absolutely nothing to deter the problem.…”
“Living in Edwards has been an amazing experience for me. The managers and people that work in the property are amazing and they always make me feel safe. It is right in the middle of everything so you can walk all around. Whenever you have an issue there is always someone willing to help. I LOVE ED…”
What reviews flag most
Mined from 5 recent reviews · 31 total on Google. Longer bars mean the topic comes up more often — this is a read on what gets mentioned, not a summary of every review.
953 Collins Ave, Miami Beach, FL 33139
Miami Beach
What Edwards Apartments Really Costs
The sticker rent isn't the whole number. Here's what Edwards Apartments actually costs each month once required fees, pet rent, and insurance are in — the number the listing sites leave off.
Renters insurance adds ~$18/mo to that total — compare quotes →
Fees Beyond Rent
The additional charges beyond base rent at Edwards Apartments. Some are monthly, some one-time — all of them shape your real cost of living here.
Required Fees
Application Fee Per Applicant
Charged per applicant.
Administrative Fee
Charged per unit.
Pets Fees
Dog Fee
Charged per pet.
Dog Rent
Charged per pet.
Cat Fee
Charged per pet.
Cat Rent
Charged per pet.
Safety
On-Site Security
Natural Hazards to Plan For
FEMA places Edwards Apartments inside a flood-risk zone, which matters because flood damage is one of the few things a standard renters policy doesn't cover. The rest is mostly familiar territory — wind, hail, theft, fire are all included by default. Below is the specific zone designation for this address and what your options are for closing the flood gap.
Flood damage
FEMA places this address inside a Special Flood Hazard Area, which is the agency's designation for parts of the country with at least a 1-in-4 chance of flooding over a 30-year mortgage. Standard renters insurance excludes flood damage outright — even small amounts of standing water that ruin a mattress or laptop. Closing the gap requires either an NFIP renters policy (starting around $99 a year) or a private flood policy from carriers like Neptune or Wright Flood.
Source · FEMA NFHL
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 as a renter here:
- Your landlord's building policy does not cover your belongings
- NFIP 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 structure
Most flood claims renters file in zones like this one are for personal property — laptops, mattresses, instruments — not structural damage. That's exactly what a renters-targeted flood policy is designed for.
Zones can change — verify at FEMA Flood Map Service
Earthquake shaking
USGS rates seismic activity here as low. A damaging earthquake is unlikely enough that most renters skip the earthquake endorsement entirely — your standard renters policy still covers the things you actually claim against (theft, fire, water damage from leaks, wind damage). The hazard data is below for completeness.
Source · USGS NSHM
Low seismic hazard · ground motion 0.02g
Skipping the endorsement is a defensible choice at this hazard level. Theft, fire, lightning, and most water damage stay covered under a standard renters policy regardless.
Ground motion at ~2% probability over 50 years — the building-code reference level
Severe weather you'd actually claim for
NOAA's severe-weather record for Miami-Dade County is on the calmer end of the national distribution — modest activity across most categories. Whatever does happen, your renters policy already covers it (wind, hail, lightning damage to your possessions). The five-year averages are below.
Source · NOAA Storm Events · 5-yr averages for Miami-Dade County
The standard renters policy is the right starting point. The gap above is closable with a single endorsement; pricing it as part of a bundled quote is the usual move.
Renters Insurance at Edwards Apartments
We found a few insurance details on the Edwards Apartments 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 buy your policy, most carriers have a field to add the property as an interested party — skip it and your proof may get rejected. It takes 30 seconds. Start a quote to see which carriers handle this automatically.
What Affects Your Premium Here
Every building is different. These factors specific to Edwards Apartments can push your insurance cost up or down:
Older Building
Built in 1935 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
FEMA Flood Zone
Zone AE — High-risk flood area with base flood elevation. Flood insurance strongly recommended.
What You'll Likely Pay
$18
Est. monthly
$215
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 (furniture, electronics, clothes), and liability coverage, which protects you if someone gets hurt in your unit or you damage someone else's property. Here's what we'd recommend for Edwards Apartments based on the rent level and building.
Personal Property
What your stuff is worth
If you own less
$25,000
If you own more
$60,000
Liability
Covers accidental harm & lawsuits
Standard minimum for most lease requirements in Florida
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Edwards Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $9/mo | $112/yr |
| USAA | $11/mo | $126/yr |
| State Farm | $14/mo | $168/yr |
| Progressive | $15/mo | $182/yr |
| Safeco | $15/mo | $182/yr |
| Travelers | $16/mo | $196/yr |
| Allstate | $18/mo | $210/yr |
| Nationwide | $18/mo | $210/yr |
| Farmers | $19/mo | $224/yr |
| Liberty Mutual | $21/mo | $252/yr |
Discounts You May Qualify For
Next step
See if you can beat $17/mo
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Pet Policy
Bringing a pet? Here's what Edwards Apartments allows, along with the deposits and monthly pet rent to budget for.
About Edwards Apartments
From the property listing:
Edwards Apartments are ideally located only a block away from the famous Ocean Drive in the heart of South Beach. Delight in the convenience of walking to all the close major restaurants and boutique shops right outside your front door of a redecorated Art Deco building. Enjoy taking a nice stroll on the beach at sunrise or sunset. For your convenience, on-site parking and community laundry rooms.
Frequently Asked Questions
Does Edwards Apartments require renters insurance?
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What will I actually pay per month at Edwards Apartments?
Does Edwards Apartments allow pets?
Does Edwards Apartments need flood insurance?
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Is SafeButler affiliated with Edwards Apartments?
What is SafeButler and how does it work for Edwards Apartments renters?
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First rental, or first time buying a policy? Start with our renters insurance guide — what it costs, what it covers, and what landlords can require.
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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