2455 NW 46th St, Miami, FL 33142
Brownsville
Monthly Cost Breakdown at Lincoln Gardens Apartments
The listed rent isn't the whole number. Here's what Lincoln Gardens Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Lincoln Gardens Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Lincoln Gardens Apartments can push your insurance cost up or down:
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 2477/100K (57% above national average)
What You'll Likely Pay
$19
Est. Monthly
$224
Est. Annual
$18
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 Lincoln Gardens 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
Standard minimum for most lease requirements in Florida
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Lincoln Gardens Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $12/mo | $139/yr |
| USAA | $13/mo | $156/yr |
| State Farm | $17/mo | $208/yr |
| Progressive | $19/mo | $226/yr |
| Safeco | $19/mo | $226/yr |
| Travelers | $20/mo | $243/yr |
| Allstate | $22/mo | $260/yr |
| Nationwide | $22/mo | $260/yr |
| Farmers | $23/mo | $278/yr |
| Liberty Mutual | $26/mo | $313/yr |
Discounts You May Qualify For
Next Step
See if you can beat $18/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 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. Lincoln Gardens Apartments also has on-site security features (Controlled access) 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 Lincoln Gardens Apartments.
FEMA Zone X (Area Of Minimal Flood Hazard) — Minimal flood risk
Flood insurance optional but inexpensive in this zone.
Flood zone data from FEMA National Flood Hazard Layer (NFHL). Zones can change — verify at FEMA Flood Map Service.
Amenities
Community Features
Floor Plan Amenities
About Lincoln Gardens Apartments
From the property listing:
Lincoln Gardens is a newly designed, conveniently located residential community featuring two, three and four-bedroom apartments and townhouses, offered through a range of options from rentals to ownership. Lincoln Gardens is minutes from I-95, as well as public transportation, and right nearby Downtown Miami, Design District, Midtown, Miami International Airport, Miami Beach, Port of Miami, and Wynwood.
Other Options Nearby
Still weighing your choices? These communities are in the same part of Miami — compare rent and estimated insurance cost side by side.
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Brownsville Village Apartments
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Hampton Village Apartments
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Frequently Asked Questions
Does Lincoln Gardens Apartments require renters insurance?
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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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