The Verdict · West Palm Beach, FL
$2,150–$6,727
real monthly · incl. fees + insurance
4.6★
149 Google reviews
Average crime
worth watching
A well-rated community where the real cost runs ~$39 over sticker, and there's no standout hazard to plan around.
Looking for renters insurance?
It runs about $14/mo — see what renters insurance in West Palm Beach, FL typically costs.
Also worth knowing: Does renters insurance cover hurricane damage?
What Residents Say
The honest version — the good and the bad, straight from recent Google reviews of Lumaire West Palm Beach Apartments.
“⭐⭐⭐⭐⭐ I can’t say enough amazing things about Lumaire in West Palm Beach! From the moment I toured, I knew this place was special. The apartments are spacious, modern, and brand new — everything feels thoughtfully designed and elevated. The location is unbeatable. It’s only 10 minutes from the ai…”
“⭐️⭐️⭐️⭐️⭐️ Absolutely Outstanding Community! Moving into Lumaire has truly exceeded all of my expectations. From the moment I arrived, I felt an immediate sense of warmth, safety, and community. The building itself is stunning—modern, impeccably maintained, and filled with thoughtful amenities tha…”
“I have to say I was so lucky when I moved back to WPB and moved into a place that I was a frat house. I did not know until after moving that the Lumaire existed. So I was lucky to get out of my lease and Rob made it super easy for me to do everything that I needed to do to move in here. Shida was …”
“I’ve been living at Lumaire for 4 months now and I absolutely love it. The amenities are top-tier and the building is always clean. • I have to give a huge shoutout to Joe, who helped me select my apartment when I moved in. I know he has left since then, but I’m super grateful because his recommend…”
“I recently moved into Lumaire and have been settling in over the last few weeks. The location is honestly unbeatable, being this close to downtown and the Brightline makes life so much easier. The building itself is beautiful. My apartment has amazing natural light, and the views are to die for. I…”
What reviews flag most
Mined from 5 recent reviews · 149 total on Google. Longer bars mean the topic comes up more often — this is a read on what gets mentioned, not a summary of every review.
On management, the review consensus is consistently positive in reviews — one resident wrote: “The management team and staff go above and beyond for every single resident.”.
201 Clearwater Dr, West Palm Beach, FL 33401
Downtown West Palm Beach
What Lumaire West Palm Beach Apartments Really Costs
The sticker rent isn't the whole number. Here's what Lumaire West Palm Beach Apartments actually costs each month once required fees, pet rent, and insurance are in — the number the listing sites leave off.
Renters insurance adds ~$14/mo to that total — compare quotes →
Fees Beyond Rent
The additional charges beyond base rent at Lumaire West Palm Beach Apartments. Some are monthly, some one-time — all of them shape your real cost of living here.
Required Fees
Deposit
Charged per unit.
Application Fee Per Applicant
Charged per unit.
Pets Fees
Dog Deposit
Charged per pet.
Dog Fee
Charged per pet.
Dog Rent
Charged per pet.
Cat Deposit
Charged per pet.
Cat Fee
Charged per pet.
Cat Rent
Charged per pet.
Safety & Property Crime
For a renter, property crime is what you actually feel day to day — a car broken into overnight, a package lifted off the step, a bike gone from storage, or how the walk from the lot feels after dark. Here's how West Palm Beach looks on the theft-related crimes that touch renters most.
These are city-level figures from the FBI's Uniform Crime Reporting program — not block-by-block. Your specific street may run calmer or rougher than the citywide rate.
West Palm Beach property crime
1,537
per 100K residents
U.S. avg 1,578 / 100K
Breakdown per 100K residents
U.S. average
The practical takeaways here are the unglamorous ones: park in lit areas, use a parcel locker if the community offers one, and don't leave anything visible in the car. Lumaire West Palm Beach Apartments's on-site security (Concierge, Doorman, Package lockers) helps on the margin.
Source · FBI UCR · West Palm Beach · 2024-12 to 2025-11
On-Site Security
Natural Hazards to Plan For
For a renter, the natural-hazard story at this address is the easy version: flood risk is low, earthquake shaking is rare, and severe weather in Palm Beach County doesn't drive an unusual claim profile. A baseline renters policy is sufficient — none of the optional flood or earthquake endorsements pay back at this kind of address. The data is below for completeness.
Flood damage
FEMA's flood-zone classification for this address is low-risk, which means the federal government doesn't expect significant flooding here under typical conditions. A standard renters policy still excludes flood damage, but a separate flood policy is hard to justify economically when the underlying risk is low. The zone label is below for the record.
Source · FEMA NFHL
FEMA Zone X (minimal flood hazard) — Minimal flood risk
Flood insurance optional but inexpensive in this zone.
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.
Source · USGS NSHM
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 a standard renters policy regardless.
Ground motion at ~2% probability over 50 years — the building-code reference level
Severe weather you'd actually claim for
NOAA's severe-weather record for Palm Beach 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 · 5-yr averages for Palm Beach County
Renters at this address generally don't need optional natural-hazard add-ons. The base policy already covers the realistic claim scenarios.
Renters Insurance at Lumaire West Palm Beach Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Lumaire West Palm Beach Apartments 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: 1537/100K (near national average)
What You'll Likely Pay
$14
Est. monthly
$163
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 (furniture, electronics, clothes), and liability coverage, which protects you if someone gets hurt in your unit or you damage someone else's property. Here's what we'd recommend for Lumaire West Palm Beach Apartments based on the rent level and building.
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 Lumaire West Palm Beach 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
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About Lumaire West Palm Beach Apartments
From the property listing:
Welcome to Lumaire Living. Rising 23 stories above Downtown and the Palm Beaches, Lumaire offers stunning panoramic views of the cityscape, ocean, and Clear Lake. This exclusive haven combines luxury, health, wellness, and entertainment. Designed by award-winning CetraRuddy Architecture, Lumaire features thoughtfully designed interiors, European-inspired kitchens, and floor-to-ceiling windows. Enjoy over 40,000 square feet of indoor/outdoor amenities, including a pool, fitness and yoga, pickleball court, Bark Park, and pet spa.
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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