Ludlam Point Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Ludlam Point Apartments in Glenvar Heights? Rent here runs $2,176 – $2,803, and renters insurance adds about $16/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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6880-6920 SW 44th St, Miami, FL 33155

Glenvar Heights

Managed by Greystar Built 1986 3 stories 204 units
4/5 ·117 reviews Google
5/5 ·9 reviews Apt. Finder
$2,176 – $2,803 /month

Monthly Cost Breakdown at Ludlam Point Apartments

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

Total Monthly Cost $2,292 – $2,919
Base Rent $2,176 – $2,803
Required Monthly Fees $100
Est. Renters Insurance $16/mo

Renters Insurance at Ludlam Point Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Ludlam Point Apartments can push your insurance cost up or down:

Older Building

Built in 1986 — older plumbing/electrical may increase risk

Open Access

No gated or controlled access — higher theft exposure

Dog-Friendly

Dogs allowed — consider higher liability coverage

Pest Issues

3 mentions in Google reviews

Identity Theft Concerns

1 mentions in reviews (mail tampering, fraud, personal info)

Vehicle Crime

5 mentions of car theft, vandalism, or break-ins in reviews

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

$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 Ludlam Point Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$40,000 recommended

If you own less

$25,000

If you own more

$60,000

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 Ludlam Point 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

Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $16/mo

4 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.

Miami property crime rate

2,477

per 100K residents

57% above U.S. avg

U.S. avg is 1,578 per 100K

Breakdown per 100K residents

Burglary
232 / 200
Larceny / theft
1,994 / 1,172
Vehicle theft
252 / 206

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.

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.

Vehicle Crime Common topic
5×
Pest Issues Common topic
3×
Maintenance Issues Common topic
3×
Identity Theft / Mail Fraud Mentioned
1×

Flood Risk

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

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.

Fees Beyond Rent

These are the additional charges beyond base rent at Ludlam Point Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Trash Services - Hauling

Amount for shared trash/waste services. Charged per unit.

$25 / mo

Parking - Vehicle Registration

Amount for authorized vehicle registration. Charged per vehicle. Payable to 3rd Party

$65 / yr

Administrative Fee

Amount to facilitate move-in process for a resident. Chargedper unit.

$250

Application Fee

Amount to process application, initiate screening, and take a rental home off the market. Charged per applicant.

$99

Access Device

Amount to obtain an access device for community; fobs, keys,remotes, access passes. Charged per leaseholder.

$25

Security Deposit (Refundable)

Amount intended to be held through residency that may be applied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit.

$500

Pets Fees

Pet Fee

Max of 1. Amount to facilitate authorized pet move-in. Charged per pet.

$150

Pet Rent

Max of 2. Monthly amount for authorized pet. Charged per pet

$20 / mo

Situational Fees

Late Fee

Amount for paying after rent due date; per terms of lease. Charged per unit.

10% of base rent

Renters Liability Only - Non-Compliance

Amount for not maintaining required Renters Liability PolicyCharged per unit.

$15 / mo

Access Device - Replacement

Amount to obtain a replacement access device for community; fobs, keys, remotes, access passes. Charged per unit.

$100 / occurence

Returned Payment Fee (NSF)

Amount for returned payment. Charged per unit.

$100 / occurence

Lease Violation

Amount for violation of community policies and/or per lease terms. Charged per unit.

Varies / occurrence

Legal/Eviction Fees

Amount for legal expenses incurred for lease violations. Charged per unit.

Varies one-time

Security Deposit - Additional (Refundable)

Additional amount, based on screening results, intended to be held through residency that may be applied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit.

Varies one-time

Amenities

Special Features

Oversized windows with 2 Wi-Fi available in common areas so you're always connected Bark park with paw spa for tail-wagging playtime and post-adventure cleanups Bicycle storage for your favorite two-wheeled adventures Raised-panel doors with lever handles add a refined finishing touch Community car care center with wash and vacuum stations to keep your ride looking sharp Flex | Split rent optionality Stainless-steel, energy-efficient appliances that look great and help reduce utility use Subway Tile Kitchen Backsplashes Other Granite counters for everyday cooking with a sleek touch Single-handle pullout kitchen faucet makes prep and cleanup super simple Subway tile backsplash adds clean, contemporary flair to your kitchen White custom cabinetry with brushed nickel hardware for a crisp, modern finish

Community Features

Maintenance on site Pet Care Pet Play Area Courtyard Grill Fitness Center Pool Bicycle Storage Basketball Court

Floor Plan Amenities

Wi-Fi Washer/Dryer Air Conditioning Heating Ceiling Fans Tub/Shower Dishwasher Disposal Granite Countertops Stainless Steel Appliances Kitchen Microwave Oven Range Refrigerator Vaulted Ceiling Walk-In Closets

Pet Policy

Bringing a pet? Here's what Ludlam Point 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.

Cats and Dogs Allowed
2 Pet Limit

About Ludlam Point Apartments

Year Built: 1986
Stories: 3 stories
Units: 204
Management: Greystar
Phone: (786) 420-4257

From the property listing:

Life at play in Miami starts at Ludlam Point. Our premier one and two bedroom homes provide the ideal basecamp close to shops, dining, parks, recreation, and more. Discover a comfortable spot to call home that keeps you connected to inspired living, while providing a quiet urban reprieve in Glenvar Heights. The fun starts here.

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.

7722 Camino Real Condo

Glenvar Heights

$1,950 Ins: ~$13/mo

Jade Gardens Apartments

Glenvar Heights

$1,415 - $2,000 Ins: ~$15/mo

Legacy at Dadeland Apartments

Glenvar Heights

$1,600 - $2,700 Ins: ~$15/mo

MiLine Apartments

Glenvar Heights

$2,240 - $4,934 Ins: ~$14/mo
FEMA Zone AH — flood risk

The Palmer Dadeland Apartments

Glenvar Heights

$1,962 - $10,463 Ins: ~$12/mo

The Towers of Dadeland Apartments

Glenvar Heights

$2,525 - $3,200 Ins: ~$13/mo

Frequently Asked Questions

Does Ludlam Point Apartments require renters insurance?
We didn't find a public insurance requirement for Ludlam Point Apartments, but that doesn't mean there isn't one. Many communities add the requirement during lease signing. It's worth asking the leasing office directly — and 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 Ludlam Point Apartments?
For this zip code and building type, expect to pay around $16/month ($196/year). For context, the statewide average is $16/month, so this building is right around average.
What will I actually pay per month at Ludlam Point Apartments?
Plan for $2,292 to $2,919/month all-in. That's base rent ($2,176 – $2,803), plus $100/month in required fees (trash, utilities, etc.), plus roughly $16/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Ludlam Point Apartments allow pets?
Yes, Ludlam Point Apartments is pet-friendly. Here are the details: Cats and Dogs Allowed. 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.
How safe is the area around Ludlam Point Apartments?
Property crime in Miami runs noticeably higher than the national average — 2,477 incidents per 100,000 residents versus the U.S. average of 1,578. That's the metric insurance carriers care about most for renters coverage, since property crime (theft, burglary, vehicle break-ins) drives most claims. Burglary specifically is 232/100K here.
Does Ludlam Point Apartments need flood insurance?
This property sits in FEMA flood zone AH (High-risk shallow flooding (1-3 ft)). 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 Ludlam Point Apartments offer?
There are 4 floor plans to choose from, spanning 1-bedroom, 2-bedroom layouts. Rent ranges from $2,176 – $2,803. 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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