Renters Insurance at Ernie Martin Villas Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Ernie Martin Villas Apartments can push your insurance cost up or down:
Open Access
No gated or controlled access — higher theft exposure
Dog-Friendly
Dogs allowed — consider higher liability coverage
Water/Leak Issues
3 mentions in Google reviews
Vehicle Crime
2 mentions of car theft, vandalism, or break-ins in reviews
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
$16
Est. Monthly
$187
Est. Annual
$15
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 Ernie Martin Villas 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
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 Ernie Martin Villas 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
Next Step
See if you can beat $15/mo
5 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. Ernie Martin Villas Apartments also has on-site security features (Property manager on site, Sprinklers) 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 Ernie Martin Villas 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.
20950 NW 14th Pl, Miami, FL 33169
Miami
Monthly Cost Breakdown at Ernie Martin Villas Apartments
The listed rent isn't the whole number. Here's what Ernie Martin Villas Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Ernie Martin Villas Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Application Fee Per Applicant
Application Fee- Non Refundable. Charged per applicant.
Parking Fees
Surface Lot
Parking Available
Pet Policy
Bringing a pet? Here's what Ernie Martin Villas 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.
About Ernie Martin Villas Apartments
From the property listing:
Welcome to Ernie Martin Villas, a residential community featuring one, two, and three bedroom apartments in Miami Gardens. Spacious layouts and amenities welcome you home, along with exceptional service and an ideal location within close proximity to shopping, dining and entertainment options. Are you looking for an apartment for rent in Miami Gardens? Contact our friendly, professional office staff to schedule a tour today.
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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