452 NE 31st St, Miami, FL 33137
Edgewater
Monthly Cost Breakdown at Metro Edgewater Apartments
The listed rent isn't the whole number. Here's what Metro Edgewater Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Metro Edgewater Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Metro Edgewater Apartments 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
Dog-Friendly
Dogs allowed — consider higher liability coverage
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 2477/100K (57% above national average)
What You'll Likely Pay
$16
Est. Monthly
$188
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 Metro Edgewater Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$35,000
If you own more
$75,000
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 Metro Edgewater Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $10/mo | $123/yr |
| USAA | $12/mo | $138/yr |
| State Farm | $15/mo | $184/yr |
| Progressive | $17/mo | $200/yr |
| Safeco | $17/mo | $200/yr |
| Travelers | $18/mo | $215/yr |
| Allstate | $19/mo | $230/yr |
| Nationwide | $19/mo | $230/yr |
| Farmers | $20/mo | $246/yr |
| Liberty Mutual | $23/mo | $276/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. Metro Edgewater Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Concierge, Gated, Doorman, 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 Metro Edgewater Apartments.
FEMA Zone X (0.2 Pct Annual Chance 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.
Fees Beyond Rent
These are the additional charges beyond base rent at Metro Edgewater 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.
Pest Control Services
Amount for pest control services. Charged per unit.
Internet Services
Amount for internet services provided by community. Charged per unit.
Utility - Electric - Third Party
Usage-Based (Utilities).Amount for provision and consumptionof electric paid to a third party. Charged per unit. Payable to 3rd Party
Utility - Water/Sewer
Usage-Based (Utilities).Amount for provision and/or consumption of water and sewer services Charged per unit.
Renters Liability Insurance - Third Party
Amount for renters liability insurance obtained through resident's provider of choice. Charged per leaseholder. Payable to 3rd Party
Application Fee
Amount to process application, initiate screening, and take a rental home off the market. Charged per applicant.
Administrative Fee
Amount to facilitate move-in process for a resident. Chargedper unit.
Access Device
Amount to obtain an access device for community; fobs, keys,remotes, access passes. Charged per leaseholder.
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.
Pets Fees
Pet Fee
We welcome 2 pets per apartment home. $500 pet fee for firstpet and an additional $200 due for the second pet. Pet rent is $35 per pet per month. Please call our Leasing Office for complete Pet Policy information.
Pet Rent
Max of 2. Monthly amount for authorized pet. Charged per pet
Pet Management - Third Party
Max of 2. Amount for authorized pet registration and screening services. Charged per pet. Payable to 3rd Party
Parking Fees
Parking Fee
Max of 1. Amount for covered parking space/services. May besubject to availability. Charged per rentable item.
Parking Fee
Max of 1. Amount for tandem parking space/services. May be subject to availability. Charged per rentable item.
Covered
Please call us regarding our Parking Policy.
Garage Lot
Please call us regarding our Parking Policy.
Addons Fees
Common Area/Clubhouse Rental
Amount to rent a shared common area space, including clubhouse. May be subject to availability. Charged per unit.
Amenity/Clubhouse Rental
Charged per unit.
Guest Suite Rental
Amount to rent guest suite; per night. May be subject to availability. Charged per night.
Situational Fees
Renters Liability Only - Non-Compliance
Amount for not maintaining required Renters Liability PolicyCharged per unit.
Access Device - Replacement
Amount to obtain a replacement access device for community; fobs, keys, remotes, access passes. Charged per device.
Lease Violation
Amount for violation of community policies and/or per lease terms. Charged per unit.
Intra-Community Transfer Fee
Amount due when transferring to another rental unit within community. Charged per unit.
Common Area/Clubhouse Deposit (Refundable)
Amount to rent a shared community amenity space. Refund processed in accordance with amenity/clubhouse rental agreement. May be subject to availability. Charged per unit.
Returned Payment Fee (NSF)
Amount for returned payment. Charged per unit.
Late Fee
Amount for paying after rent due date; per terms of lease. Charged per unit.
Liquidated Damages
Amount for not satisfying the application and/or lease termsCharged per unit.
Early Lease Termination/Cancellation
Amount to terminate lease earlier than lease end date; excludes rent and other charges. Charged per unit.
Legal/Eviction Fees
Amount for legal expenses incurred for lease violations. Charged per unit.
Utility - Vacant Processing Fee
Usage-Based (Utilities).Amount for failing to transfer utilities into resident name. Charged per unit.
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.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Metro Edgewater 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 Metro Edgewater Apartments
From the property listing:
Welcome Home to Metro Edgewater
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Frequently Asked Questions
Does Metro Edgewater Apartments require renters insurance?
How much is renters insurance at Metro Edgewater Apartments?
What will I actually pay per month at Metro Edgewater Apartments?
Does Metro Edgewater Apartments allow pets?
How safe is the area around Metro Edgewater Apartments?
What floor plans does Metro Edgewater Apartments offer?
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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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