Gables Ponce Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Gables Ponce Apartments in Southeast Gables? Rent here runs $2,420 – $10,075, 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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310-360 Granello Ave, Coral Gables, FL 33146

Southeast Gables

Managed by Gables Residential Built 2012 11 stories 367 units
4.5/5 ·304 reviews Google
5/5 ·55 reviews Apt. Finder
$2,420 – $10,075 /month

Monthly Cost Breakdown at Gables Ponce Apartments

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

Total Monthly Cost $2,498 – $10,153
Base Rent $2,420 – $10,075
Required Monthly Fees $65
Est. Renters Insurance $13/mo

Renters Insurance at Gables Ponce Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Gables Ponce 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

Security System Issues

2 mentions of broken gates, cameras, or locks in reviews

FEMA Flood Zone

Zone X — minimal flood risk

What You'll Likely Pay

$13

Est. Monthly

$151

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 Gables Ponce 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

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 Gables Ponce Apartments:

Carrier Monthly Annual
Lemonade $8/mo $91/yr
USAA $9/mo $102/yr
State Farm $11/mo $136/yr
Progressive $12/mo $148/yr
Safeco $12/mo $148/yr
Travelers $13/mo $159/yr
Allstate $14/mo $170/yr
Nationwide $14/mo $170/yr
Farmers $15/mo $182/yr
Liberty Mutual $17/mo $204/yr

Discounts You May Qualify For

Gated community
-5%
Controlled access
-3%
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

6 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 Coral Gables.

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.

Maintenance Issues Common topic
Safety Concerns Mentioned
Security System Failures Mentioned
Water Damage Mentioned
Noise Mentioned
Slip/Fall Hazards Mentioned

On-Site Security

Package service Controlled access Concierge Gated Doorman

Flood Risk

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

Required Fees

Trash Administration Fee

Amount due for reimbursement of third party trash billing fee. Charged per unit.

$2.85 / mo

Trash

Amount due for haul away trash services. Studio/1 bedroom = $25, 2 bedroom = $35, 3 bedroom = $50 Charged per unit.

$25 - $50 / mo

Pest Control

Amount due for pest control services. Charged per unit.

$4 / mo

Water

Amount due for the consumption of water services. Charged per unit.

Varies / mo

Stormwater

Amount due for stormwater / drainage services. Charged per unit.

Varies / mo

Sewer

Amount due for the consumption of sewer services. Charged per unit.

Varies / mo

Electric

Amount for consumption of electric service paid to third party utility provider. Charged per unit. Payable to 3rd Party

Varies / mo

Liability Insurance

Amount for liability insurance obtained through resident's provider of choice. All residents are required to purchase and maintain personal liability insurance in a minimum policy coverage amount of $300,000.00. Charged per unit. Payable to 3rd Party

Varies / mo

Application Deposit

The application deposit is not a security deposit and will be credited toward the required security deposit when the lease has been signed by all parties. Additional deposit may be required based on credit scoring requirements. Charged per unit.

$1,000

Application Fee

Amount due for each applicant 18 years of age and older for verification of information and credit approval. Charged per applicant.

$100

Administrative Fee

Amount due to offset our anticipated costs for administeringthe lease contract. Charged per unit.

$510

Security Deposit

Taken from Application Deposit.Taken from the application deposit. General security deposit due to be held during residency. Additional deposit may be required based on credit scoring requirements. Subject to refund in accordance with the lease agreement. Charged per unit.

Varies one-time

Pets Fees

Pet Fee

| Restrictions: We do have breed restrictions, and invite you to contact our leasing office to learn more! In an extra effort to keep our community clean, we also participate in a Doggie DNA program.

$500

Pet Rent

Max of 2. Amount due monthly per authorized pet. Maximum of two pets per household. Breed and other restrictions may apply. See Leasing Agent for details. Charged per pet.

$30 / mo

Parking Fees

Reserved Parking - Additional

Max of 1. Amount due monthly per rentable item. All items subject to availability. Final pricing and availability will be determined during lease agreement. See Leasing Agent for details. Charged per vehicle.

$150 / mo

Reserved Parking - Tandem Spot

Max of 1. Amount due monthly per rentable item. All items subject to availability. Final pricing and availability will be determined during lease agreement. See Leasing Agent for details. Charged per vehicle.

$200 / mo

Reserved Parking

Max of 1. Amount due monthly per rentable item. All items subject to availability. Final pricing and availability will be determined during lease agreement. See Leasing Agent for details. Included Charged per vehicle.

Varies

Amenities

Special Features

Bike Racks Electric Vehicle Charging Stations Floor to Ceiling Windows ® Grilling Area Smart Thermostat 10 Ceilings 9' Ceilings Demonstation Kitchen Furnished Apartments Available On-Site Retail - Bermello Ajamil & Partners On-Site Retail - Scenthound ENERGY STAR ® Appliances Indoor Dog Park Private Cabanas Additional Storage Available LEED Certified Building Pool Views* On-Site Retail - USA Sports Therapy Tiled Flooring

Community Features

Furnished Units Available On-Site Retail Recycling Pet Play Area Car Charging Station Elevator Business Center Clubhouse Cabana Grill Fitness Center Pool

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Air Conditioning Heating Dishwasher Disposal Granite Countertops Stainless Steel Appliances Kitchen Microwave Oven Refrigerator Hardwood Floors Walk-In Closets Furnished Floor to Ceiling Windows Balcony

Pet Policy

Bringing a pet? Here's what Gables Ponce Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.

Cats Allowed
$30 Monthly Pet Rent
$500 Fee
2 Pet Limit

About Gables Ponce Apartments

Year Built: 2012
Stories: 11 stories
Units: 367
Management: Gables Residential
Phone: (786) 837-0263

From the property listing:

td { border: 1px solid rgba(204, 204, 204, 1) } br { } You can indulge not only in our 24 hour state-of-the-art 3,000 sq. ft. fitness center, but also in our spa area that includes a steam room and sauna in a beautiful private setting.

Other Options Nearby

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

Frequently Asked Questions

Does Gables Ponce Apartments require renters insurance?
We didn't find a public insurance requirement for Gables Ponce 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 Gables Ponce Apartments?
For this zip code and building type, expect to pay around $13/month ($151/year). Gables Ponce 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 Gables Ponce Apartments?
Plan for $2,498 to $10,153/month all-in. That's base rent ($2,420 – $10,075), plus $65/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 Gables Ponce Apartments allow pets?
Yes, Gables Ponce Apartments is pet-friendly. Here are the details: Cats Allowed. $30 Monthly Pet Rent. $500 Fee. 2 Pet Limit. Standard renters insurance covers pet-related liability at no extra cost.
What floor plans does Gables Ponce Apartments offer?
There are 48 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom, studio layouts. Rent ranges from $2,420 – $10,075. 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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