The Verdict · Miami, FL
$3,086–$6,396
real monthly · incl. fees + insurance
4.6★
151 Google reviews
Higher property crime
worth watching
A well-rated community where the real cost runs ~$41 over sticker, and elevated property crime is the risk to plan for.
Looking for renters insurance?
It runs about $16/mo — see what renters insurance in Miami, FL typically costs.
Also worth knowing: Does renters insurance cover hurricane damage?
What Residents Say
The honest version — the good and the bad, straight from recent Google reviews of Forma Miami Apartments.
“Carlos from O’rilley handyman services did a fantastic job. He came very quickly, was professional, and did outstanding work. Highly recommended”
“Carlos with O’Reilly Services is AMAZING! So professional. He had all of the equipment and did the job in a timely manner. He helped me decide on the heights to fit the aesthetic and had great recommendations. Trustworthy company! He left my place clean after the job. Would highly recommend!”
“We moved to Forma 3 weeks ago and the experience has been incredible! The apartments are very modern and brand new, the amenities are the best we have seen in any other building including a very spacious and equipped gym! The area around is super nice and with whole foods and trader’s so close we r…”
“My wife and I moved to FORMA 3 weeks ago and man do we love it. We are incredibly happy with our decision. I’ve lived in all types of housing and owned various as well (condos, single family, apartments, etc.) and there’s always something for certain, things will break and there’s always “something…”
“It’s a beautiful brand new apartment building. One of the best in all of Miami area. Best amenities, views, kitchens, and of course Whole Foods. I just wanted to say thank you to Maria and Taylor, the property manager for being so professional, welcoming, and attentive and for their assistance with…”
What reviews flag most
Mined from 5 recent reviews · 151 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.
2900 Biscayne Blvd, Miami, FL 33137
Edgewater
What Forma Miami Apartments Really Costs
The sticker rent isn't the whole number. Here's what Forma Miami Apartments actually costs each month once required fees, pet rent, and insurance are in — the number the listing sites leave off.
Renters insurance adds ~$16/mo to that total — compare quotes →
Fees Beyond Rent
The additional charges beyond base rent at Forma Miami 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 Deposit
Charged per pet.
Dog Rent
Charged per pet.
Cat Deposit
Charged per pet.
Cat Rent
Charged per pet.
Safety & Property Crime
For a renter, property crime is what you actually feel day to day — a car broken into overnight, a package lifted off the step, a bike gone from storage, or how the walk from the lot feels after dark. Here's how Miami looks on the theft-related crimes that touch renters most.
These are city-level figures from the FBI's Uniform Crime Reporting program — not block-by-block. Your specific street may run calmer or rougher than the citywide rate.
Miami property crime
2,477
per 100K residents
U.S. avg 1,578 / 100K
Breakdown per 100K residents
U.S. average
The practical takeaways here are the unglamorous ones: park in lit areas, use a parcel locker if the community offers one, and don't leave anything visible in the car. Forma Miami Apartments's on-site security (Property manager on site, Concierge, Doorman) helps on the margin.
Source · FBI UCR · Miami · 2024-12 to 2025-11
On-Site Security
Natural Hazards to Plan For
The natural-hazard exposure at Forma Miami Apartments is mild on every dimension a renter typically cares about. FEMA's flood zone for this address is low-risk, USGS rates seismic activity as low, and severe-weather records for Miami-Dade County are unremarkable. Standard renters insurance handles the everyday claims (theft, fire, wind, water damage from leaks) without any add-ons. Specifics below for the curious.
Flood damage
This address is in one of FEMA's lower flood-risk classifications. Standard renters policies don't cover flood damage anywhere, but in low-risk zones the cost of a separate NFIP policy generally isn't justified by the expected loss. The detail is below mostly for completeness.
Source · FEMA NFHL
FEMA Zone X (minimal flood hazard) — Minimal flood risk
Flood insurance optional but inexpensive in this zone.
Zones can change — verify at FEMA Flood Map Service
Earthquake shaking
Earthquakes happen rarely enough at this location that an earthquake-specific endorsement isn't a meaningful insurance decision. A baseline renters policy still covers the claims you'd actually file. The USGS-level detail is included below mostly for thoroughness.
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
Severe-weather activity in Miami-Dade County is at the low end. Standard renters insurance already covers wind and hail damage to your stuff, so the data below is more context than coverage gap.
Source · NOAA Storm Events · 5-yr averages for Miami-Dade County
The bottom line: a standard renters policy at this address is sufficient. None of the optional natural-hazard endorsements pay back at meaningful odds.
Renters Insurance at Forma Miami Apartments
We found a few insurance details on the Forma Miami 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 Forma Miami Apartments can push your insurance cost up or down:
Open Access
No gated or controlled access — higher theft exposure
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
$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 Forma Miami Apartments based on the rent level and building.
Personal Property
What your stuff is worth
If you own less
$35,000
If you own more
$75,000
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 Forma 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
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Pet Policy
Bringing a pet? Here's what Forma Miami Apartments allows, along with the deposits and monthly pet rent to budget for.
One cost the pet fees don't touch: vet bills. Compare pet insurance quotes for your dog or cat in about a minute.
About Forma Miami Apartments
From the property listing:
Setting a new standard for elevated living in Miamis vibrant Edgewater neighborhood, Forma is a one-of-a-kind rental residence that brings together signature architecture by Arquitectonica, world-class design by Rockwell Group, and the wellness-focused convenience of Whole Foods Market. Brought to you by Crescent Heights, Forma represents three decades of the firms luxury real estate expertise. The tower features Miamis largest and most impressive amenity collection, comprising 85,000 square feet, leading-edge technology, and a bespoke collection of art.
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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