3925-3929 N Meridian Ave, Miami Beach, FL 33140
Mid-Beach
Monthly Cost Breakdown at Gator Apartments
The listed rent isn't the whole number. Here's what Gator Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Gator Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Gator Apartments can push your insurance cost up or down:
Older Building
Built in 1942 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
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
$18
Est. Monthly
$215
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 Gator Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$25,000
If you own more
$60,000
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 Gator 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 $18/mo
4 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 Beach.
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.
Flood Risk
Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Gator 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 Gator Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Parking Fees
Street Parking
Parking Available
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Gator 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 Gator Apartments
From the property listing:
Gator Apartments is a quiet community located right in Miami Beach near I-195. A redecorated Art Deco building within walking distance from Arthur Godfrey Road with shopping, banks, Post Offices, schools and more! Relax with a good book in our backyard overlooking the Intracoastal Waterway.
Other Options Nearby
Still weighing your choices? Other communities in Miami Beach — compare rent and estimated insurance cost side by side.
Avara Apartments
Mid-Beach
1000 Brickell Plz Condo
Downtown Miami
1025 Metro Apartments
Hialeah
1050 NW 2nd Street Apartments
Little Havana
10X Miami River Apartments
Little Havana
11239 SW 5th Terrace Rental
Sweetwater Groves
Frequently Asked Questions
Does Gator Apartments require renters insurance?
How much is renters insurance at Gator Apartments?
What will I actually pay per month at Gator Apartments?
Does Gator Apartments allow pets?
Does Gator Apartments need flood insurance?
What floor plans does Gator Apartments offer?
Get Renters Insurance for Gator 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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