Turf 2 Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Turf 2 Apartments in Hialeah Acres? Rent here runs $1,513 – $2,000, and renters insurance adds about $21/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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465-479 E 28th St, Hialeah, FL 33013

Hialeah Acres

Built 1959 2 stories 20 units
4.9/5 ·29 reviews Google
Apt. Finder
$1,513 – $2,000 /month

Monthly Cost Breakdown at Turf 2 Apartments

The listed rent isn't the whole number. Here's what Turf 2 Apartments actually costs each month once you add required fees and insurance.

Total Monthly Cost $1,534 – $2,021
Base Rent $1,513 – $2,000
Est. Renters Insurance $21/mo

Renters Insurance at Turf 2 Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Turf 2 Apartments can push your insurance cost up or down:

Older Building

Built in 1959 — older plumbing/electrical may increase risk

Open Access

No gated or controlled access — higher theft exposure

FEMA Flood Zone

Zone X — minimal flood risk

FBI UCR

Property crime rate: 1489/100K (6% below national average)

What You'll Likely Pay

$21

Est. Monthly

$247

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 Turf 2 Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$30,000 recommended

If you own less

$20,000

If you own more

$50,000

Liability

Covers accidental harm & lawsuits

$100,000 recommended

Standard minimum for most lease requirements in Florida. Cats present minimal liability risk vs dogs.

How Carriers Compare for This Area

Not all carriers price the same zip code equally. Here's how the major options stack up near Turf 2 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

Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $21/mo

4 discounts may apply here. Real quotes show your actual price — estimates can't.

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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

1,489

per 100K residents

6% below U.S. avg

U.S. avg is 1,578 per 100K

Breakdown per 100K residents

Burglary
107 / 200
Larceny / theft
1,377 / 1,172
Vehicle theft
5 / 206

U.S. average

Near-average property crime means insurance premiums in Hialeah track closely with national baselines.

Source: FBI UCR Program, Hialeah (2024-12 to 2025-11)

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Turf 2 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 Turf 2 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.

$50

Parking Fees

Parking

One reserved Parking

Amenities

Community Features

Laundry Facilities Elevator

Floor Plan Amenities

Air Conditioning Heating Smoke Free Tub/Shower Kitchen Oven Range Refrigerator

Pet Policy

Bringing a pet? Here's what Turf 2 Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.

Cats Allowed
$25 Monthly Pet Rent
$150 Fee
40 lb Weight Limit

About Turf 2 Apartments

Year Built: 1959
Stories: 2 stories
Units: 20
Phone: (786) 952-4971

From the property listing:

This is a one-bedroom apartment on the second floor. It has two wall-mounted Air conditioning units, an elevator, and a laundry room. Satellite dishes are not allowed, and Comcast and AT&T are the only approved internet and cable providers. This building has three floors. It has an elevator. Water, sewer, and trash are included. You have to pay for Electricity The only approved internet and cable provider in the building is Comcast. Tenant is required to maintain General Liability Insurance at all times. Maximum occupancy is two adults and one infant. Pet Friendly. Ask conditions

Other Options Nearby

Still weighing your choices? Other communities in Hialeah — compare rent and estimated insurance cost side by side.

Frequently Asked Questions

Does Turf 2 Apartments require renters insurance?
We didn't find a public insurance requirement for Turf 2 Apartments, but that doesn't mean there isn't one. Many communities add the requirement during lease signing. It's worth asking the leasing office directly — and even if it's not required, a policy typically runs under $20/month and covers you against theft, fire, and liability.
How much is renters insurance at Turf 2 Apartments?
For this zip code and building type, expect to pay around $21/month ($247/year). For context, the statewide average is $16/month, so this building is above average.
What will I actually pay per month at Turf 2 Apartments?
Plan for $1,534 to $2,021/month all-in. That's base rent ($1,513 – $2,000), plus roughly $21/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Turf 2 Apartments allow pets?
Yes, Turf 2 Apartments is pet-friendly. Here are the details: Cats Allowed. $25 Monthly Pet Rent. $150 Fee. 40 lb Weight Limit. Standard renters insurance covers pet-related liability at no extra cost.
How safe is the area around Turf 2 Apartments?
Property crime in Hialeah sits near the national average — 1,489 per 100,000 residents versus 1,578 nationwide. That's the metric insurance carriers care about most for renters coverage, since property crime (theft, burglary, vehicle break-ins) drives most claims. Burglary specifically is 107/100K here.
What floor plans does Turf 2 Apartments offer?
There are 2 floor plans to choose from, spanning 1-bedroom, 2-bedroom layouts. Rent ranges from $1,513 – $2,000. Your unit size can affect your insurance cost too — a larger unit typically means more belongings to cover.

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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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