Renters Insurance at Santa Clara II Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Santa Clara II Apartments can push your insurance cost up or down:
Gated Community
Gated access reduces theft risk — may qualify for security discount
Theft Reports
3 mentions in Google reviews
Security System Issues
1 mention of broken gates, cameras, or locks in reviews
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
$231
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 Santa Clara II 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
Standard minimum for most lease requirements in Florida. Cats present minimal liability risk vs dogs.
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Santa Clara II 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. Santa Clara II Apartments also has on-site security features (Property manager on site, Gated) 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.
What residents talk about most
Security
A recurring concern in reviews
“Vehicles are getting stolen and broken into.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
For a renter, the natural-hazard story at this address is the easy version: flood risk is low, earthquake shaking is rare, and severe weather in Miami-Dade County doesn't drive an unusual claim profile. A baseline renters policy is sufficient — none of the optional flood or earthquake endorsements pay back at this kind of address. The data is below for completeness.
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 (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.
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.
Renters at this address generally don't need optional natural-hazard add-ons. The base policy already covers the realistic claim scenarios.
1250 NW 21st St, Miami, FL 33142
Allapattah
Monthly Cost Breakdown at Santa Clara II Apartments
The listed rent isn't the whole number. Here's what Santa Clara II Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Santa Clara II 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.
Pets Fees
Dog Fee
Charged per pet.
Cat Fee
Charged per pet.
Pet Policy
Bringing a pet? Here's what Santa Clara II Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
Fees may vary by pet type or count — confirm with the leasing office.
About Santa Clara II Apartments
From the property listing:
Find affordable living in a sought-after Miami location at Santa Clara II Apartments! Comprised of unique one-, two-, and three-bedroom apartment homes, this 17-story apartment tower offers panoramic views of the downtown Miami skyline and situates residents near beaches, shopping, dining, transit, sporting arenas, and major employers. Experience more than just a place to live and embrace the sense of community at Santa Clara II with lifestyle advantages including a fitness center, playground, barbecue and picnic pavilion, five-story parking deck, and more.
Frequently Asked Questions
Does Santa Clara II Apartments require renters insurance?
How much is renters insurance at Santa Clara II Apartments?
What will I actually pay per month at Santa Clara II Apartments?
Does Santa Clara II Apartments allow pets?
How safe is the area around Santa Clara II Apartments?
What floor plans does Santa Clara II Apartments offer?
Is SafeButler affiliated with Santa Clara II Apartments?
What is SafeButler and how does it work for Santa Clara II Apartments renters?
Real quotes · under a minute
Ready to lock down coverage at Santa Clara II Apartments?
I'll line up top carriers side by side — pre-filled for this building so the proof of insurance is one click away.
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.
SafeButler Inc. strives to ensure that the information on this site is up to date, but we will not be held liable for any delays, inaccuracies, errors, or omissions. This site and all materials contained on it are distributed and provided "as is" and "as available" for use. SafeButler.com makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.