900 West Ave, Miami Beach, FL 33139
South Beach
Monthly Cost Breakdown at Southgate Towers Apartments
The listed rent isn't the whole number. Here's what Southgate Towers Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Southgate Towers Apartments
Southgate Towers Apartments's website requires tenants to carry renters insurance. The exact coverage minimums may vary by unit type, so confirm the specifics with the leasing office when you apply.
Lease Requirements
* An "interested party" is the property management company listed on your insurance policy. It doesn't give them any claim rights — it just means they get notified if your policy lapses, which is how the leasing office verifies you stay insured.
One thing to watch for: when you purchase your policy, most carriers have a field where you add the property as an interested party — skip that step and your proof may get rejected. It takes 30 seconds during checkout. Start a quote to see which carriers handle this automatically.
In Southgate Towers Apartments's own words:
"Liability coverage is required to live at our community, and we have options for you. You are pre-approved and can easily enroll in coverage through our preferred provider during your leasing process. For additional quotes from Assurant, please visit www.assurantrenters.com or call 877.826.8203."
What Affects Your Premium Here
Every building is different. These factors specific to Southgate Towers Apartments can push your insurance cost up or down:
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
FEMA Flood Zone
Zone AE — High-risk flood area with base flood elevation. Flood insurance strongly recommended.
What You'll Likely Pay
$16
Est. Monthly
$187
Est. Annual
$15
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 Southgate Towers 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
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 Southgate Towers Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $9/mo | $112/yr |
| USAA | $11/mo | $126/yr |
| State Farm | $14/mo | $168/yr |
| Progressive | $15/mo | $182/yr |
| Safeco | $15/mo | $182/yr |
| Travelers | $16/mo | $196/yr |
| Allstate | $18/mo | $210/yr |
| Nationwide | $18/mo | $210/yr |
| Farmers | $19/mo | $224/yr |
| Liberty Mutual | $21/mo | $252/yr |
Discounts You May Qualify For
Next Step
See if you can beat $15/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 Beach.
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 Southgate Towers 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 Southgate Towers Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Move Out Service Fee
Utility charge for account closure. Charged per unit.
Account Setup Fee
Utility charge for account setup at move-in. Charged per unit.
Pest Control
Monthly fee for preventative pest management. Charged per unit.
Monthly Service Fee
The monthly service fee covers administrative and billing services. Charged per unit.
Energy Conservation Fee
Monthly fee supporting sustainability initiatives. Charged per unit.
Package Locker Charge
Annual fee for access to secure package lockers. Charged perunit.
Sewer
Utility charge for sewer billed monthly based on usage or flat rate. Charged per unit.
Gas
Utility charge for gas billed monthly based on usage or flatrate. Charged per unit.
Water
Utility charge for water billed monthly based on usage or flat rate. Charged per unit.
Electric
Utility charge for electricity billed monthly based on usageor flat rate. Charged per unit.
Application Fee (per applicant)
A one-time, non-refundable charge for processing rental applications. Charged per applicant.
Admin Fee
A one-time, non-refundable administrative fee charged at lease initiation to cover processing and onboarding costs. Charged per unit.
Pets Fees
Pet Fee
One-time fee for pets, exempt for assistance animals. Charged per pet.
Parking Fees
Parking
Monthly fee for reserved parking spaces or garages. Charged per vehicle.
Addons Fees
Minimum Liability Insurance
Monthly fee ensuring required liability coverage. Charged per unit.
Rent Credit Reporting (per household)
Optional service reporting rent payments to credit bureaus. Charged per unit.
Short Term Renewal Fee
Monthly premium for short-term lease renewals. Charged per unit.
Termination Fee
Charge for ending a lease early. Charged per unit.
Situational Fees
Late Charges
Fee for rent payments made after the due date. Charged per unit.
Returned Check Fee
Fee for payments returned due to insufficient funds. Chargedper unit.
Transfer Fee
Fee for moving to another unit within the same property. Charged per unit.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Southgate Towers Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Southgate Towers Apartments
From the property listing:
Welcome to your new bay front home at Southgate Towers. Located in South Beach Miami overlooking Biscayne Bay, these fully updated homes feature the best of resort style living. Your time matters, so we skip the hidden fee shuffle. Our prices include required monthly costs, no extra math, no mystery, just the real number. Floor plans include studio, 1 , 2 , and 3 bedroom homes with floor to ceiling windows, private patios and sweeping views of the bay.
Other Options Nearby
Still weighing your choices? Other communities in Miami Beach — compare rent and estimated insurance cost side by side.
710 7th St Apartments
South Beach
Flamingo Point Apartments
South Beach
Flamingo South Beach Apartments
South Beach
Helios Apartments Miami Beach
South Beach
The Anamar at Collins Park Apartments
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1000 Brickell Plz Condo
Downtown Miami
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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