Renters Insurance at The Upland at Hialeah Apartments
The The Upland at Hialeah Apartments website asks for at least $300,000 in liability coverage, and you'll need to add the property as an interested party on your policy. Any carrier that meets these minimums will be accepted.
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 Upland at Hialeah Apartments can push your insurance cost up or down:
Gated Community
Gated access reduces theft risk — may qualify for security discount
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
FEMA Flood Zone
Zone AH — High-risk shallow flooding (1-3 ft). Flood insurance strongly recommended.
FBI UCR
Property crime rate: 1489/100K (6% below national average)
What You'll Likely Pay
$16
Est. Monthly
$188
Est. Annual
$14
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 The Upland at Hialeah 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
Lease minimum
What this community requires
We recommend
Minimum rarely covers an actual lawsuit
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 Upland at Hialeah Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $10/mo | $123/yr |
| USAA | $12/mo | $138/yr |
| State Farm | $15/mo | $184/yr |
| Progressive | $17/mo | $200/yr |
| Safeco | $17/mo | $200/yr |
| Travelers | $18/mo | $215/yr |
| Allstate | $19/mo | $230/yr |
| Nationwide | $19/mo | $230/yr |
| Farmers | $20/mo | $246/yr |
| Liberty Mutual | $23/mo | $276/yr |
Discounts You May Qualify For
Next Step
See if you can beat $14/mo
7 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 Hialeah.
Hialeah 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 Hialeah track closely with national baselines. The Upland at Hialeah Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Concierge, Gated, Doorman, Package lockers, Sprinklers, Covered parking, On site maintenance) that insurers recognize with discounts.
Source: FBI UCR Program, Hialeah (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
Noise
Consistently positive in reviews
“This focus on engagement, combined with the efforts to maintain a beautiful and peaceful environment, creates a wonderfully cozy and welcoming atmosphere for all residents.” — Google reviewer
Management
Consistently positive in reviews
“They have gone above and beyond to accommodate various requests I've had, showing a dedication that is rare to find.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
The single coverage gap worth thinking about at The Upland at Hialeah Apartments is flood. FEMA's National Flood Hazard Layer puts this address inside a designated flood zone, and standard renters policies don't reach there. Most other natural-disaster damage — wind, hail, lightning, fire — is included in a baseline policy. Here's the flood picture.
Flood damage
This address is mapped into a Special Flood Hazard Area — FEMA's name for the higher-probability flood zones. Your landlord's building policy doesn't extend to your possessions, and a standard renters policy explicitly excludes flood damage. NFIP renters coverage starts around $99 a year and is usually the simplest path to closing the gap.
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
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
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.
Compared to a fully unprotected address, the gap above is well-defined and inexpensive to close. The value of the standard policy doesn't change — the optional add-on does.
445 Hialeah Dr, Hialeah, FL 33010
Essex Village
Monthly Cost Breakdown at The Upland at Hialeah Apartments
The listed rent isn't the whole number. Here's what The Upland at Hialeah 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 Upland at Hialeah 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
Charged per unit.
Pet Policy
Bringing a pet? Here's what The Upland at Hialeah 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 Upland at Hialeah Apartments
From the property listing:
Experience Luxury Living surrounded by resort amenities, a state-of-the-art clubhouse, and spacious floor plans to choose from! Comprised of two 8-story buildings with spacious studios, 1, 2, & 3 bedrooms. Inside, youre surrounded by a symphony of artistically cohesive surfaces. Your thoughtfully designed spaces are bathed in refined lighting. This is a classic luxury-designed community for contemporary living. Elevate your living at The Upland!
Frequently Asked Questions
Does The Upland at Hialeah Apartments require renters insurance?
How much is renters insurance at The Upland at Hialeah Apartments?
What will I actually pay per month at The Upland at Hialeah Apartments?
Does The Upland at Hialeah Apartments allow pets?
How safe is the area around The Upland at Hialeah Apartments?
Does The Upland at Hialeah Apartments need flood insurance?
What floor plans does The Upland at Hialeah Apartments offer?
Is SafeButler affiliated with The Upland at Hialeah Apartments?
What is SafeButler and how does it work for The Upland at Hialeah Apartments renters?
Real quotes · under a minute
Ready to lock down coverage at The Upland at Hialeah Apartments?
I'll line up top carriers side by side — pre-filled for this building so the proof of insurance is one click away.
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.
SafeButler Inc. strives to ensure that the information on this site is up to date, but we will not be held liable for any delays, inaccuracies, errors, or omissions. This site and all materials contained on it are distributed and provided "as is" and "as available" for use. SafeButler.com makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.