Renters Insurance at Ponce Entrance Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Ponce Entrance 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
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 2477/100K (57% above national average)
What You'll Likely Pay
$18
Est. Monthly
$213
Est. Annual
$16
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 Ponce Entrance 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
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 Ponce Entrance Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $11/mo | $128/yr |
| USAA | $12/mo | $144/yr |
| State Farm | $16/mo | $192/yr |
| Progressive | $17/mo | $208/yr |
| Safeco | $17/mo | $208/yr |
| Travelers | $19/mo | $224/yr |
| Allstate | $20/mo | $240/yr |
| Nationwide | $20/mo | $240/yr |
| Farmers | $21/mo | $256/yr |
| Liberty Mutual | $24/mo | $289/yr |
Discounts You May Qualify For
Next Step
See if you can beat $16/mo
6 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. Ponce Entrance Apartments also has on-site security features (Controlled access, Gated, Gated access, Covered parking, On site maintenance) that insurers recognize with discounts.
Source: FBI UCR Program, Miami (2024-12 to 2025-11)
On-Site Security
Natural Hazards & Your Renters Coverage
At Ponce Entrance Apartments, none of the three big natural hazards a renter might worry about — flooding, earthquakes, severe weather — show up as meaningful concerns. A standard renters policy without endorsements covers the actual claim risks here. The agency-by-agency detail is below if you want to see it.
Flood damage
FEMA's flood-zone classification for this address is low-risk, which means the federal government doesn't expect significant flooding here under typical conditions. A standard renters policy still excludes flood damage, but a separate flood policy is hard to justify economically when the underlying risk is low. The zone label is below for the record.
FEMA Zone X (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.
Earthquake shaking
USGS rates seismic activity here as low. A damaging earthquake is unlikely enough that most renters skip the earthquake endorsement entirely — your standard renters policy still covers the things you actually claim against (theft, fire, water damage from leaks, wind damage). The hazard data is below for completeness.
Low seismic hazard · ground motion 0.02g
Skipping the endorsement is a defensible choice at this hazard level. Theft, fire, lightning, and most water damage stay covered under your standard renters policy regardless.
Hazard data from USGS National Seismic Hazard Model. The ground-motion figure is the level USGS expects to be exceeded with about 2% probability over a 50-year horizon — the standard reference used in building codes.
Severe weather you'd actually claim for
NOAA's severe-weather record for Miami-Dade County is on the calmer end of the national distribution — modest activity across most categories. Whatever does happen, your renters policy already covers it (wind, hail, lightning damage to your possessions). The five-year averages are below.
Source: NOAA Storm Events Database, annual averages from the past five years for Miami-Dade County. Counts reflect reported events, not damage amounts.
The natural-hazard picture is favorable enough that a baseline renters policy is the right end-state for most renters here. No upgrade required.
101 SW 36th Ct, Miami, FL 33135
Little Havana
Monthly Cost Breakdown at Ponce Entrance Apartments
The listed rent isn't the whole number. Here's what Ponce Entrance Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Ponce Entrance Apartments. 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.
Amenity Fee
Charged per unit.
Parking Fees
Parking Fee
Max of 1. Charged per vehicle.
Garage Lot
Every unit includes 1 parking space and $50 for each additio nal space. 3 bedrooms include 2 spaces.
About Ponce Entrance Apartments
From the property listing:
Live in Luxury - Rent Today! Ponce Entrance is an upscale boutique apartment community centrally located in Miami FL, minutes away from the prestigious Miracle Mile. Our Complex features Studios, 1, 2, and 3 bedroom apartments with Luxurious amenities such as modern finishes, stainless steel appliances, granite counter tops, porcelain tile floor, washer/dryer in unit, controlled access covered parking, lush landscaping, and the security of a 24-hour gated facility.
Frequently Asked Questions
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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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