1155 NE 126th St, North Miami, FL 33161
North Miami
Monthly Cost Breakdown at Gardens Residences Apartments
The listed rent isn't the whole number. Here's what Gardens Residences Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Gardens Residences Apartments
We found a few insurance details on Gardens Residences Apartments's 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 purchase your policy, most carriers have a field where you add the property as an interested party — skip that step and your proof may get rejected. It takes 30 seconds during checkout. 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 (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 Gardens Residences 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 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
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 North Miami.
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 Gardens Residences 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.
Fees Beyond Rent
These are the additional charges beyond base rent at Gardens Residences 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 waived for Early Lease Signing Special Charged per applicant.
Administrative Fee
The $100 administrative fee will be credited upon signing the 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 available for a separate fee on a first come first serve basis.
Addons 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.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Gardens Residences 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 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.
Other Options Nearby
Still weighing your choices? These communities are in the same part of North Miami — compare rent and estimated insurance cost side by side.
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Frequently Asked Questions
Does Gardens Residences Apartments require renters insurance?
How much is renters insurance at Gardens Residences Apartments?
What will I actually pay per month at Gardens Residences Apartments?
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Does Gardens Residences Apartments need flood insurance?
What floor plans does Gardens Residences Apartments offer?
Get Renters Insurance for Gardens Residences Apartments
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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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