Renters Insurance at The Skylar Apartments
What Affects Your Premium Here
Every building is different. These factors specific to The Skylar 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.
FBI UCR
Property crime rate: 2477/100K (57% above national average)
What You'll Likely Pay
$16
Est. Monthly
$196
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 The Skylar Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$25,000
If you own more
$60,000
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 The Skylar Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $11/mo | $128/yr |
| USAA | $12/mo | $144/yr |
| State Farm | $16/mo | $192/yr |
| Progressive | $17/mo | $208/yr |
| Safeco | $17/mo | $208/yr |
| Travelers | $19/mo | $224/yr |
| Allstate | $20/mo | $240/yr |
| Nationwide | $20/mo | $240/yr |
| Farmers | $21/mo | $256/yr |
| Liberty Mutual | $24/mo | $289/yr |
Discounts You May Qualify For
Next Step
See if you can beat $16/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. The Skylar Apartments also has on-site security features (Controlled access, Package lockers, Covered parking) 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
Maintenance
Consistently positive in reviews
“I especially want to give a special mention to the maintenance team, especially Ernesto who’s really professional and polite.” — Google reviewer
Management
Consistently positive in reviews
“Management is responsive and always willing to help when needed, which makes a big difference.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
FEMA places The Skylar Apartments inside a flood-risk zone, which matters because flood damage is one of the few things a standard renters policy doesn't cover. The rest is mostly familiar territory — wind, hail, theft, fire are all included by default. Below is the specific zone designation for this address and what your options are for closing the flood gap.
Flood damage
FEMA places this address inside a Special Flood Hazard Area, which is the agency's designation for parts of the country with at least a 1-in-4 chance of flooding over a 30-year mortgage. Standard renters insurance excludes flood damage outright — even small amounts of standing water that ruin a mattress or laptop. Closing the gap requires either an NFIP renters policy (starting around $99 a year) or a private flood policy from carriers like Neptune or Wright Flood.
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
Most flood claims renters file in zones like this one are for personal property — laptops, mattresses, instruments — not structural damage. That's exactly what a renters-targeted flood policy is designed for.
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.
The standard renters policy is the right starting point. The gap above is closable with a single endorsement; pricing it as part of a bundled quote is the usual move.
1444 NW 14th Ave, Miami, FL 33125
Miami
Monthly Cost Breakdown at The Skylar Apartments
The listed rent isn't the whole number. Here's what The Skylar Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at The Skylar Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Pets Fees
Pet Fee
Max of 2. Fee for allowing pets in the home. Charged per pet
Pet Rent
Max of 2. Monthly charge for keeping a pet in the home. Char ged per pet.
Parking Fees
Parking Fee
Max of 3. Charge for access to a garage space. Charged per v ehicle.
Parking Fee
Max of 3. Fee for reserved or designated parking space use a nd maintenance Charged per vehicle.
Parking - Reserved
Max of 3. Fee for a designated parking spot on-site. Charged per vehicle.
Optional Add-On Fees
Rent Payment Credit Building Service
Charged per unit.
Trash Admin
Administrative costs for managing trash service billing, coo rdination, and related expenses for your apartment. Charged per unit.
Stormwater / Drainage Admin Fee
Management of community stormwater drainage and runoff infra structure Charged per unit.
Utility Water / Wastewater Admin Fee
Covers administrative costs associated with billing and mana ging water utility services. Charged per unit.
Amenity / Clubhouse Rental Deposit (Refundable)
Refundable deposit for potential damages during a clubhouse rental. Charged per unit.
Amenity / Clubhouse Rental Fee
Fee for reserving the community clubhouse for events or gath erings. Charged per unit.
Common Area Utilities
Shared utility costs in community common areas. Charged per unit.
Trash Services - Hauling
Cost of trash collection, removal, and hauling services. Cha rged per unit.
Utility - Water / Sewer
Charged per unit.
Utility- Gas
Cost of gas usage for your apartment. Charged per unit.
Utility - Electric
Cost of electricity usage for your apartment. Charged per un it.
Insurance Fee
Charged per unit.
Situational Fees
Utility - New Account Fee
One-time charge to activate new utility services. Charged pe r unit.
Security Deposit (Refundable)
Refundable deposit covering potential damages and unpaid ren t per lease terms. Charged per unit.
Excise Tax
Charge for water usage and base fees imposed by Miami-Dade C ounty or certain municipalities, collected and remitted to the appropriate authority. Charged per unit.
Utility - Final Bill Fee
One-time charge for processing and closing a utility account Charged per unit.
Pet Policy
Bringing a pet? Here's what The Skylar Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About The Skylar Apartments
From the property listing:
This is anything but ordinary. The Skylar defines the Miami lifestyle with modern design, coastal energy, and effortless convenience. Choose from spacious Studio, 1, 2, and 3-bedroom Miami apartments crafted with the details that make every home feel like your perfect Miami dwelling.
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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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