Helios Apartments Miami Beach: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Helios Apartments Miami Beach in South Beach? Rent here runs $1,345 – $2,515, and renters insurance adds about $18/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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700 Euclid Ave, Miami Beach, FL 33139

South Beach

Built 1936 4 stories 54 units
2.9/5 ·104 reviews Google
3/5 ·3 reviews Apt. Finder
$1,345 – $2,515 /month

Monthly Cost Breakdown at Helios Apartments Miami Beach

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

Total Monthly Cost $1,363 – $2,533
Base Rent $1,345 – $2,515
Est. Renters Insurance $18/mo

Renters Insurance at Helios Apartments Miami Beach

We found a few insurance details on Helios Apartments Miami Beach's website. Your lease may have additional requirements — treat these as a starting point.

Lease Requirements

Interested party* Add property to policy
Listed carriers
Kin
See how your options compare. Get a quote

* 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 Helios Apartments Miami Beach can push your insurance cost up or down:

Older Building

Built in 1936 — older plumbing/electrical may increase risk

Controlled Access

Electronic/key fob entry — reduces unauthorized entry risk

Dog-Friendly

Dogs allowed — consider higher liability coverage

Liability Hazards

3 mentions of slip/fall, trip hazards, or injuries in reviews

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

$17

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 Helios Apartments Miami Beach based on the rent level and building features.

Personal Property

What your stuff is worth

$30,000 recommended

If you own less

$20,000

If you own more

$50,000

Liability

Covers accidental harm & lawsuits

$300,000 recommended

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 Helios Apartments Miami Beach:

Carrier Monthly Annual
Lemonade $9/mo $112/yr
USAA $11/mo $126/yr
State Farm $14/mo $168/yr
Progressive $15/mo $182/yr
Safeco $15/mo $182/yr
Travelers $16/mo $196/yr
Allstate $18/mo $210/yr
Nationwide $18/mo $210/yr
Farmers $19/mo $224/yr
Liberty Mutual $21/mo $252/yr

Discounts You May Qualify For

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 $17/mo

5 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 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.

Maintenance Issues Common topic
Safety Concerns Common topic
Slip/Fall Hazards Common topic
Pest Issues Mentioned
Theft Mentioned
Water Damage Mentioned
Fire Mentioned

On-Site Security

Controlled access

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Helios Apartments Miami Beach.

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 Helios Apartments Miami Beach. 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.

$100

Pets Fees

Dog Fee

Charged per pet.

$300

Dog Rent

Charged per pet.

$50 / mo

Cat Fee

Charged per pet.

$300

Cat Rent

Charged per pet.

$50 / mo

Amenities

Special Features

Miami skyline views Individual washer/dryers in select apartments* Attractive school districts Proximity to boutique shops and fine dining Shared garden spaces at some locations* Parking available* Walk-in closets in select homes* Air conditioning* Built-in storage features* On-site laundry at some locations* Walking distance to beach front Exterior balconies* Private terraces* Multiple locations from which to choose Proximity to the main land of Biscayne Bay Management Office located in Miami Beach

Community Features

Laundry Facilities

Floor Plan Amenities

High Speed Internet Access Air Conditioning Smoke Free Cable Ready Security System Granite Countertops Stainless Steel Appliances Kitchen Microwave Tile Floors Office Walk-In Closets Balcony

Pet Policy

Bringing a pet? Here's what Helios Apartments Miami Beach 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.

Cats and Dogs Allowed
$50 Monthly Pet Rent
$300 Fee
75 lb Weight Limit
2 Pet Limit

About Helios Apartments Miami Beach

Year Built: 1936
Stories: 4 stories
Units: 54
Phone: (786) 460-4564

From the property listing:

MOVE IN BY 4/30/26 TO RECEIVE UP TO 1.5 MONTHS FREE WITH A 12-13 MONTH LEASE ON SELECT UNITS ONLY! CALL FOR DETAILS. Helios Apartments Miami Beach is a collection of classic, pet-friendly Miami Beach apartment communities located in Miami Beach and South Beach (SoBe). Please see our specific locations.

Other Options Nearby

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

Frequently Asked Questions

Does Helios Apartments Miami Beach require renters insurance?
We found specific coverage details on Helios Apartments Miami Beach's website — these likely reflect lease requirements, but confirm with the leasing office. 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 Helios Apartments Miami Beach?
For this zip code and building type, expect to pay around $18/month ($215/year). Helios Apartments Miami Beach has security features that qualify for discounts — with those applied, you could pay as little as $17/month. For context, the statewide average is $16/month, so this building is above average.
What will I actually pay per month at Helios Apartments Miami Beach?
Plan for $1,363 to $2,533/month all-in. That's base rent ($1,345 – $2,515), plus roughly $18/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Helios Apartments Miami Beach allow pets?
Yes, Helios Apartments Miami Beach is pet-friendly. Here are the details: Cats and Dogs Allowed. $50 Monthly Pet Rent. $300 Fee. 75 lb Weight Limit. 2 Pet Limit. If you have a pet, keep in mind that most renters insurance policies cover pet liability — but you may want to increase your liability limit, especially for larger breeds.
Does Helios Apartments Miami Beach need flood insurance?
This property sits in FEMA flood zone AE (High-risk flood area with base flood elevation). Standard renters insurance does not cover flood damage — you'd need a separate flood policy or endorsement. The National Flood Insurance Program (NFIP) offers renters policies starting around $99/year, and private carriers like Neptune and Wright Flood may offer competitive rates.
What floor plans does Helios Apartments Miami Beach offer?
There are 14 floor plans to choose from, spanning 1-bedroom, 2-bedroom, studio layouts. Rent ranges from $1,345 – $2,515. 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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