Renters Insurance at The Trail Lofts
We found a few insurance details on the The Trail Lofts 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 The Trail Lofts can push your insurance cost up or down:
Open Access
No gated or controlled access — higher theft exposure
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 2477/100K (57% above national average)
What You'll Likely Pay
$16
Est. Monthly
$189
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 Trail Lofts 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 Trail Lofts:
| 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
Next Step
See if you can beat $16/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 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 Trail Lofts also has on-site security features (Property manager on site) that insurers recognize with discounts.
Source: FBI UCR Program, Miami (2024-12 to 2025-11)
What residents talk about most
Management
Consistently positive in reviews
“Excellent property and very professional service from the leasing office.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
The natural-hazard exposure at The Trail Lofts is mild on every dimension a renter typically cares about. FEMA's flood zone for this address is low-risk, USGS rates seismic activity as low, and severe-weather records for Miami-Dade County are unremarkable. Standard renters insurance handles the everyday claims (theft, fire, wind, water damage from leaks) without any add-ons. Specifics below for the curious.
Flood damage
This address is in one of FEMA's lower flood-risk classifications. Standard renters policies don't cover flood damage anywhere, but in low-risk zones the cost of a separate NFIP policy generally isn't justified by the expected loss. The detail is below mostly for completeness.
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
Earthquakes happen rarely enough at this location that an earthquake-specific endorsement isn't a meaningful insurance decision. A baseline renters policy still covers the claims you'd actually file. The USGS-level detail is included below mostly for thoroughness.
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
Severe-weather activity in Miami-Dade County is at the low end. Standard renters insurance already covers wind and hail damage to your stuff, so the data below is more context than coverage gap.
Source: NOAA Storm Events Database, annual averages from the past five years for Miami-Dade County. Counts reflect reported events, not damage amounts.
The bottom line: a standard renters policy at this address is sufficient. None of the optional natural-hazard endorsements pay back at meaningful odds.
1150 SW 70th Ave, Miami, FL 33144
Coral Terrace West
Monthly Cost Breakdown at The Trail Lofts
The listed rent isn't the whole number. Here's what The Trail Lofts actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at The Trail Lofts. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Application Fee Per Applicant
For approved Applications fee ONLY they will be reimbursed a t time of lease. Charged per applicant.
Pets Fees
One-Time Pet Fee
Max of 1. Charged per pet.
Pet Deposit
Max of 1. Charged per pet.
Monthly Pet Fee
Max of 1. Charged per pet.
Monthly Pet Fee
Max of 1. Charged per pet.
Parking Fees
Parking Fee
Charged per vehicle.
Surface Lot
1 space for 1 bedroom and 2 spaces for the 2 bedrooms
Pet Policy
Bringing a pet? Here's what The Trail Lofts allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About The Trail Lofts
From the property listing:
Leasing Office Located Onsite at : 1055 SW 70th Ave. Miami, Fl. 33144 BRAND NEW!! ONE- and TWO-BEDROOM apartments in a prime location! Immediate Occupancy available. Close to EVERYTHING. Central location to all of Miami’s neighborhoods and shopping and schools and universities. This location is in Coral Terrace. Nearby parks include Flagami Park, Robert King High Park and Coral Way Park. located about nine miles away from Downtown Miami.
Frequently Asked Questions
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What will I actually pay per month at The Trail Lofts?
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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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