Renters Insurance at Green Turtle Club - Townhomes
We found a few insurance details on the Green Turtle Club - Townhomes 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 Green Turtle Club - Townhomes 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
FEMA Flood Zone
Zone AH — High-risk shallow flooding (1-3 ft). Flood insurance strongly recommended.
FBI UCR
Property crime rate: 2477/100K (57% above national average)
What You'll Likely Pay
$16
Est. Monthly
$187
Est. Annual
$14
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 Green Turtle Club - Townhomes 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
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 Green Turtle Club - Townhomes:
| 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 $14/mo
7 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.
Miami property crime rate
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
U.S. average
Higher-than-average property crime is why insurance carriers charge more in this zip code — your premium reflects the claims frequency for the area. Green Turtle Club - Townhomes also has on-site security features (Controlled access, Property manager on site, Gated, Sprinklers) that insurers recognize with discounts.
Source: FBI UCR Program, Miami (2024-12 to 2025-11)
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 Green Turtle Club - Townhomes.
FEMA Zone AH — High-risk shallow flooding (1-3 ft)
Flood insurance strongly recommended — even shallow flooding can destroy personal property.
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.
13770 SW 143rd St, Miami, FL 33186
Miami
Monthly Cost Breakdown at Green Turtle Club - Townhomes
The listed rent isn't the whole number. Here's what Green Turtle Club - Townhomes actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Green Turtle Club - Townhomes. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Application Fee Per Applicant
Charged per applicant.
Administrative Fee
Charged per unit.
Parking Fees
Parking
one assigned parking space per unit. $25 fee per month
Pet Policy
Bringing a pet? Here's what Green Turtle Club - Townhomes allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Green Turtle Club - Townhomes
From the property listing:
Green Turtle Club Miami is located on the southwest corner of SW 137 Avenue/ SW 143 Street in the heart of West Kendall, southwest Miami-Dade County. Green Turtle Club Miami is designed as a high quality rental townhouse community. Both floor plans feature 2-bedroom with 2 1/2 baths, spacious bedrooms, closets, a laundry-utility room, cand a private patio. The kitchens are airy, light, and very functional. Living rooms are spacious open plan areas. Our community features a 75' long swimming pool, hot tub, and a very well equipped fitness center.
Frequently Asked Questions
Does Green Turtle Club - Townhomes require renters insurance?
How much is renters insurance at Green Turtle Club - Townhomes?
What will I actually pay per month at Green Turtle Club - Townhomes?
Does Green Turtle Club - Townhomes allow pets?
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Does Green Turtle Club - Townhomes need flood insurance?
What floor plans does Green Turtle Club - Townhomes offer?
Is SafeButler affiliated with Green Turtle Club - Townhomes?
What is SafeButler and how does it work for Green Turtle Club - Townhomes 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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