Miami Springs, FL

Springs Town Center Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Springs Town Center Apartments in Miami Springs? Rent here runs $2,850 – $4,350, and renters insurance adds about $16/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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1 Curtiss Pky, Miami Springs, FL 33166

Miami Springs

Managed by Springs Town Center, LLC Built 2024 3 stories 51 units
3/5 ·12 reviews Google
Apt. Finder
$2,850 – $4,350 /month

Monthly Cost Breakdown at Springs Town Center Apartments

The listed rent isn't the whole number. Here's what Springs Town Center Apartments actually costs each month once you add required fees and insurance.

Total Monthly Cost $2,866 – $4,366
Base Rent $2,850 – $4,350
Est. Renters Insurance $16/mo

Renters Insurance at Springs Town Center Apartments

We found a few insurance details on Springs Town Center Apartments's website. Your lease may have additional requirements — treat these as a starting point.

Lease Requirements

Interested party* Add property to policy
Listed carriers
Kin
See how your options compare. Get a quote

* 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.

What Affects Your Premium Here

Every building is different. These factors specific to Springs Town Center Apartments can push your insurance cost up or down:

Controlled Access

Electronic/key fob entry — reduces unauthorized entry risk

Dog-Friendly

Dogs allowed — consider higher liability coverage

Identity Theft Concerns

1 mentions in reviews (mail tampering, fraud, personal info)

FEMA Flood Zone

Zone AH — High-risk shallow flooding (1-3 ft). Flood insurance strongly recommended.

What You'll Likely Pay

$16

Est. Monthly

$189

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 Springs Town Center Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$50,000 recommended

If you own less

$35,000

If you own more

$75,000

Liability

Covers accidental harm & lawsuits

$300,000 recommended

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 Springs Town Center Apartments:

Carrier Monthly Annual
Lemonade $10/mo $118/yr
USAA $11/mo $132/yr
State Farm $15/mo $176/yr
Progressive $16/mo $191/yr
Safeco $16/mo $191/yr
Travelers $17/mo $206/yr
Allstate $18/mo $220/yr
Nationwide $18/mo $220/yr
Farmers $20/mo $235/yr
Liberty Mutual $22/mo $264/yr

Discounts You May Qualify For

Controlled access
-3%
Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $15/mo

5 discounts may apply here. Real quotes show your actual price — estimates can't.

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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 Springs.

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.

Noise Mentioned
Identity Theft / Mail Fraud Mentioned

On-Site Security

Controlled access

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Springs Town Center Apartments.

FEMA Zone AH — High-risk shallow flooding (1-3 ft)

Flood insurance strongly recommended — even shallow flooding can destroy personal property.

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 Springs Town Center Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Application Fee Per Applicant

Immediate approval!

$50

Pets Fees

Pet Deposit

Max of 2. Charged per pet.

$250

Amenities

Special Features

Exercise Room Please Call To Schedule A Tour Retail/restaurants Located On 1st Floor

Community Features

Maintenance on site 24 Hour Access On-Site Retail Recycling Car Charging Station Elevator Fitness Center Pool Tennis Court Walking/Biking Trails Golf Course Individual Locking Bedrooms Private Bathroom

Floor Plan Amenities

Washer/Dryer Air Conditioning Heating Smoke Free Cable Ready Double Vanities Tub/Shower Dishwasher Disposal Ice Maker Granite Countertops Stainless Steel Appliances Eat-in Kitchen Kitchen Microwave Oven Range Refrigerator Freezer Tile Floors Walk-In Closets Linen Closet Window Coverings Floor to Ceiling Windows Balcony

Pet Policy

Bringing a pet? Here's what Springs Town Center 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.

Dogs Allowed
$250 Deposit
2 Pet Limit

About Springs Town Center Apartments

Year Built: 2024
Stories: 3 stories
Units: 51
Management: Springs Town Center, LLC
Phone: (786) 656-0767

From the property listing:

Experience the epitome of modern luxury living with a state-of-the-art kitchen boasting sleek finishes, expansive windows flooding the space with natural light, private balconies offering panoramic views, the convenience of an in-unit washer/dryer, exquisite flooring, and countless other lavish amenities. Contact us now to indulge in a private tour and uncover the full splendor of this remarkable residence. Take advantage of nearby family-oriented local amenities including parks, tennis courts, golf course, municipal pool & special events.

Other Options Nearby

Still weighing your choices? Other communities in Miami Springs — compare rent and estimated insurance cost side by side.

Frequently Asked Questions

Does Springs Town Center Apartments require renters insurance?
We found specific coverage details on Springs Town Center Apartments's website — these likely reflect lease requirements, but confirm with the leasing office. Even if it's not required, a policy typically runs under $20/month and covers you against theft, fire, and liability.
How much is renters insurance at Springs Town Center Apartments?
For this zip code and building type, expect to pay around $16/month ($189/year). Springs Town Center Apartments has security features that qualify for discounts — with those applied, you could pay as little as $15/month. For context, the statewide average is $16/month, so this building is right around average.
What will I actually pay per month at Springs Town Center Apartments?
Plan for $2,866 to $4,366/month all-in. That's base rent ($2,850 – $4,350), plus roughly $16/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Springs Town Center Apartments allow pets?
Yes, Springs Town Center Apartments is pet-friendly. Here are the details: Dogs Allowed. $250 Deposit. 2 Pet Limit. If you have a pet, keep in mind that most renters insurance policies cover pet liability — but you may want to increase your liability limit, especially for larger breeds.
Does Springs Town Center Apartments need flood insurance?
This property sits in FEMA flood zone AH (High-risk shallow flooding (1-3 ft)). Standard renters insurance does not cover flood damage — you'd need a separate flood policy or endorsement. The National Flood Insurance Program (NFIP) offers renters policies starting around $99/year, and private carriers like Neptune and Wright Flood may offer competitive rates.
What floor plans does Springs Town Center Apartments offer?
There are 2 floor plans to choose from, spanning 2-bedroom, 3-bedroom layouts. Rent ranges from $2,850 – $4,350. Your unit size can affect your insurance cost too — a larger unit typically means more belongings to cover.

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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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