Renters Insurance at Trece Urim Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Trece Urim Apartments can push your insurance cost up or down:
Older Building
Built in 1970 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
Dog-Friendly
Dogs allowed — consider higher liability coverage
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 2477/100K (57% above national average)
What You'll Likely Pay
$18
Est. Monthly
$215
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 Trece Urim 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
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 Trece Urim Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $9/mo | $107/yr |
| USAA | $10/mo | $120/yr |
| State Farm | $13/mo | $160/yr |
| Progressive | $14/mo | $174/yr |
| Safeco | $14/mo | $174/yr |
| Travelers | $16/mo | $187/yr |
| Allstate | $17/mo | $200/yr |
| Nationwide | $17/mo | $200/yr |
| Farmers | $18/mo | $214/yr |
| Liberty Mutual | $20/mo | $240/yr |
Discounts You May Qualify For
Next Step
See if you can beat $18/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.
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
Management
Consistently positive in reviews
“Crystal, in particular, has gone above and beyond for us and has made such a difference in our experience here.” — Google reviewer
Natural Hazards & Your Renters Coverage
At Trece Urim Apartments, none of the three big natural hazards a renter might worry about — flooding, earthquakes, severe weather — show up as meaningful concerns. A standard renters policy without endorsements covers the actual claim risks here. The agency-by-agency detail is below if you want to see it.
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 natural-hazard picture is favorable enough that a baseline renters policy is the right end-state for most renters here. No upgrade required.
16117-16135 NE 19 Ct, Miami, FL 33162
Fulford Bythe Sea
Monthly Cost Breakdown at Trece Urim Apartments
The listed rent isn't the whole number. Here's what Trece Urim Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Trece Urim 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.
Pets Fees
Pet Deposit
Max of 2. Charged per pet.
One-Time Pet Fee
Max of 2. Charged per pet.
Monthly Pet Fee
Max of 2. Charged per pet.
Parking Fees
Parking Fee
Max of 1. Charged per vehicle.
Surface Lot
For two bedroom units, second parking spot included
Pet Policy
Bringing a pet? Here's what Trece Urim 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.
About Trece Urim Apartments
From the property listing:
Our building sits in a quite neighborhood of North Miami two blocks away from Biscayne Boulevard. We are only 15 minutes away from the beach, 10 minutes away from the Golden Glades of Miami. We have grocery stores and a diversity of restaurants walking distance from our building. Public transportation is also nearby. Our two story building provides one parking space per apartment and a small laundry facility for the convenience of our residents.
Frequently Asked Questions
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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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