The Verdict · North Miami, FL
$1,752–$4,686
real monthly · incl. fees + insurance
4.1★
35 Google reviews
Flood-zone location
worth watching
A solidly reviewed community where the real cost runs ~$16 over sticker, and flood coverage isn't optional in FEMA zone AE.
Looking for renters insurance?
It runs about $16/mo — see what renters insurance in North Miami, FL typically costs.
What Residents Say
The honest version — the good and the bad, straight from recent Google reviews of Gardens Residences Apartments.
“This is my first apartment ever, my first ever experience living alone and by far it has been exceptional!!! I love the building, love the amenities, and ofcourse my studio apartment! The building and apartments are very modern and well kept! Big shout out to management and the maintenance personne…”
“The building itself is new, modern, clean and visually appealing, and the apartment design is nice. However, I was very disappointed to learn that the owner refused to provide or allow blinds in the living room. The unit has large floor-to-ceiling windows, and the living area receives direct sunli…”
“It’s been a year since me and my girlfriend moved in The Gardens Residences and all I can say is that it’s been amazing living experience. We loved our unit, our neighbors, the amenities and building location we decided to renew our lease. The gardens residences has become a lovely, clean and safe…”
“I saw a bunch of negative reviews, but wouldn’t agree with most of them. Yes, we waited for 4 months to move in, yes, there’s still construction going on, but we received 2 free months + almost 3 weeks of paid hotel stays (literally free housing up $100/hr) before moving in, so I think the company …”
“After 30 days of searching for the right place to live in Miami after moving from New York City, I finally found the perfect home at The Gardens Residence. The building is brand new, the amenities are incredible, and the atmosphere feels welcoming from the start. Most importantly, I want to sincer…”
What reviews flag most
Mined from 5 recent reviews · 35 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.
1155 NE 126th St, North Miami, FL 33161
North Miami
What Gardens Residences Apartments Really Costs
The sticker rent isn't the whole number. Here's what Gardens Residences 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 Gardens Residences Apartments. Some are monthly, some one-time — all of them shape your real cost of living here.
Required Fees
Application Fee Per Applicant
Application Fee waived for Early Lease Signing Special Charg ed per applicant.
Administrative Fee
The $100 administrative fee will be credited upon signing th e lease and receiving the deposit. Charged per unit.
Parking Fees
Parking Fee
Charged per vehicle.
Parking Fee
Charged per vehicle.
Electric Vehicle Parking
EV Charging available first come first serve
Parking
First parking space is included. Second parking space availa ble for a separate fee on a first come first serve basis.
Optional Add-On Fees
Highspeed Internet and TV
High Speed 1 Gig Property wide internet, and 48 TV Channels with Dish Fiber Charged per unit.
Amenity Fees
Charged per unit.
Safety
On-Site Security
Natural Hazards to Plan For
The single coverage gap worth thinking about at Gardens Residences Apartments is flood. FEMA's National Flood Hazard Layer puts this address inside a designated flood zone, and standard renters policies don't reach there. Most other natural-disaster damage — wind, hail, lightning, fire — is included in a baseline policy. Here's the flood picture.
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
Compared to a fully unprotected address, the gap above is well-defined and inexpensive to close. The value of the standard policy doesn't change — the optional add-on does.
Renters Insurance at Gardens Residences Apartments
We found a few insurance details on the Gardens Residences 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 Gardens Residences Apartments can push your insurance cost up or down:
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
Dog-Friendly
Dogs allowed — consider higher liability coverage
FEMA Flood Zone
Zone AE — High-risk flood area with base flood elevation. Flood insurance strongly recommended.
What You'll Likely Pay
$16
Est. monthly
$196
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 Gardens Residences Apartments based on the rent level and building.
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 Gardens Residences Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $11/mo | $128/yr |
| USAA | $12/mo | $144/yr |
| State Farm | $16/mo | $192/yr |
| Progressive | $17/mo | $208/yr |
| Safeco | $17/mo | $208/yr |
| Travelers | $19/mo | $224/yr |
| Allstate | $20/mo | $240/yr |
| Nationwide | $20/mo | $240/yr |
| Farmers | $21/mo | $256/yr |
| Liberty Mutual | $24/mo | $289/yr |
Discounts You May Qualify For
Next step
See if you can beat $16/mo
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Pet Policy
Bringing a pet? Here's what Gardens Residences Apartments allows, along with the deposits and monthly pet rent to budget for.
About Gardens Residences Apartments
From the property listing:
Welcome to Gardens Residences, your new home in the vibrant city of North Miami, FL. Our community is designed to enrich your lifestyle with a wide variety of amenities for comfort, convenience, and relaxation. Spend the day at our sparkling pool, enjoy private poolside cabanas, or work up a sweat in our state-of-the-art gym. Unwind in our serene yoga space, connect with neighbors in the stylish clubhouse, or host the perfect gathering on our spacious BBQ deck. For pet owners, our convenient dog washing room makes caring for your four-legged companions simple.
Frequently Asked Questions
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What is SafeButler and how does it work for Gardens Residences Apartments renters?
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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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