1160 NW North River Dr, Miami, FL 33136
Downtown Miami
Monthly Cost Breakdown at Rio Mio Apartments
The listed rent isn't the whole number. Here's what Rio Mio Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Rio Mio Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Rio Mio Apartments can push your insurance cost up or down:
Older Building
Built in 1964 — older plumbing/electrical may increase risk
Gated Community
Gated access reduces theft risk — may qualify for security discount
Security System Issues
1 mentions of broken gates, cameras, or locks in reviews
FEMA Flood Zone
Zone AE — High-risk flood area with base flood elevation. Flood insurance strongly recommended.
FBI UCR
Property crime rate: 2477/100K (57% above national average)
What You'll Likely Pay
$23
Est. Monthly
$280
Est. Annual
$22
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 Rio Mio Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$20,000
If you own more
$50,000
Liability
Covers accidental harm & lawsuits
Pool on premises — higher liability recommended for accidents at shared amenities
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Rio Mio 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 $22/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. Rio Mio Apartments also has on-site security features (Property manager on site, Gated, Gated access, Perimeter fencing) 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 Rio Mio Apartments.
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 Rio Mio Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Application Fee
Application Fee $50.00 Charged per unit.
Pets Fees
Pet Deposit
Max of 1. Charged per pet.
One-Time Pet Fee
Max of 1. Charged per pet.
Monthly Pet Fee
Max of 1. Charged per pet.
Parking Fees
Surface Lot
Parking Available
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Rio Mio Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Rio Mio Apartments
From the property listing:
Experience upgraded living at Rio Mio Apartments — offering modernized interiors, spacious layouts, and a central Miami location just minutes from Downtown, the Airport, and major highways. Select units feature updated kitchens with quartz countertops, modern cabinetry, tile or wood-style flooring, and bright open living spaces. Community Highlights: • On-site parking • Professionally managed • Courtyard-style layout • Quick access to I-95 & 836 Limited availability. Schedule your showing today. Appointment hours are Mon-Fri 9:00am - 12:00pm, 1:00pm - 5:00pm, and Saturdays 9:00am -12:00pm.
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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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