6259 Sunset Dr, South Miami, FL 33143
South Miami
Monthly Cost Breakdown at Sunset Club Apartments
The listed rent isn't the whole number. Here's what Sunset Club Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Sunset Club Apartments
We found a few insurance details on Sunset Club Apartments's website. Your lease may have additional requirements — treat these as a starting point.
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.
What Affects Your Premium Here
Every building is different. These factors specific to Sunset Club Apartments can push your insurance cost up or down:
Older Building
Built in 1964 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
Security System Issues
1 mentions of broken gates, cameras, or locks in reviews
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 1768/100K (12% above national average)
What You'll Likely Pay
$15
Est. Monthly
$183
Est. Annual
$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 Sunset Club 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 Sunset Club Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $8/mo | $91/yr |
| USAA | $9/mo | $102/yr |
| State Farm | $11/mo | $136/yr |
| Progressive | $12/mo | $148/yr |
| Safeco | $12/mo | $148/yr |
| Travelers | $13/mo | $159/yr |
| Allstate | $14/mo | $170/yr |
| Nationwide | $14/mo | $170/yr |
| Farmers | $15/mo | $182/yr |
| Liberty Mutual | $17/mo | $204/yr |
Discounts You May Qualify For
Next Step
See if you can beat $15/mo
4 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 South Miami.
South Miami property crime rate
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
U.S. average
Near-average property crime means insurance premiums in South Miami track closely with national baselines. Sunset Club Apartments also has on-site security features (Package service, Property manager on site, On site maintenance) that insurers recognize with discounts.
Source: FBI UCR Program, South 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 Sunset Club Apartments.
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.
Fees Beyond Rent
These are the additional charges beyond base rent at Sunset Club 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.
Administrative Fee
For a limited time processing fee/Administrative Fee's will go towards first month rent 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.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Sunset Club Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Sunset Club Apartments
From the property listing:
Apartaments available ENGLISH: Live an active Miami lifestyle at Sunset Club Apartments. Amenities include pool, barbecue area, newly renovated tennis courts and racquet ball courts. Ample parking is available and the community offers six laundry room facilities for your convenience. On-site management and maintenance staff with 24-7 emergency maintenance service means we are always at your service. Short term leases are available. SPANISH: Viva un estilo de vida activo en la mejor ubicacion de South Miami, Sunset Club Apartments.
Other Options Nearby
Still weighing your choices? These communities are in the same part of South Miami — compare rent and estimated insurance cost side by side.
Avalon South Miami Apartments
South Miami
House 57 Apartments
South Miami
Motion at Dadeland Apartments
South Miami
Palm Plaza Apartments
South Miami
Residences at Somi Parc Apartments
South Miami
Valencia South Miami Apartments
South Miami
Frequently Asked Questions
Does Sunset Club Apartments require renters insurance?
How much is renters insurance at Sunset Club Apartments?
What will I actually pay per month at Sunset Club Apartments?
Does Sunset Club Apartments allow pets?
How safe is the area around Sunset Club Apartments?
What floor plans does Sunset Club Apartments offer?
Get Renters Insurance for Sunset Club Apartments
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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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