Madison Fountains Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Madison Fountains Apartments in Saint Johns? Rent here runs $1,339 – $2,861, and renters insurance adds about $12/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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75 Teigan Trl, Saint Johns, FL 32259

Saint Johns

Managed by Madison Capital Group Built 2024 4 stories 276 units
4.6/5 ·88 reviews Google
Apt. Finder
$1,339 – $2,861 /month

Monthly Cost Breakdown at Madison Fountains Apartments

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

Total Monthly Cost $1,351 – $2,873
Base Rent $1,339 – $2,861
Est. Renters Insurance $12/mo

Renters Insurance at Madison Fountains Apartments

We found a few insurance details on Madison Fountains Apartments's website. Your lease may have additional requirements — treat these as a starting point.

Lease Requirements

Interested party* Add property to policy
See how your options compare. Get a quote

* 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 Madison Fountains Apartments can push your insurance cost up or down:

Gated Community

Gated access reduces theft risk — may qualify for security discount

Dog-Friendly

Dogs allowed — consider higher liability coverage

FEMA Flood Zone

Zone X — minimal flood risk

What You'll Likely Pay

$12

Est. Monthly

$139

Est. Annual

$11

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 Madison Fountains 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

$300,000 recommended

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 Madison Fountains Apartments:

Carrier Monthly Annual
Lemonade $8/mo $91/yr
USAA $9/mo $102/yr
State Farm $11/mo $136/yr
Progressive $12/mo $148/yr
Safeco $12/mo $148/yr
Travelers $13/mo $159/yr
Allstate $14/mo $170/yr
Nationwide $14/mo $170/yr
Farmers $15/mo $182/yr
Liberty Mutual $17/mo $204/yr

Discounts You May Qualify For

Gated community
-5%
Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $11/mo

5 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 Saint Johns.

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.

Maintenance Issues Mentioned

On-Site Security

Package service Property manager on site Gated

Flood Risk

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

$65

Administrative Fee

Charged per unit.

$250

Pets Fees

Pet Fee - Additional Pet

Max of 2. Charged per pet.

$150

Dog Fee

Charged per pet.

$350

Dog Rent

Charged per pet.

$25 / mo

Cat Fee

Charged per pet.

$350

Cat Rent

Charged per pet.

$25 / mo

Amenities

Special Features

10 ft Ceilings* High Speed Internet Ready Luxurious Soaking Tub Contemporary Front-Loading GE Washer and Dryers Luxury Wood Style Flooring Modern Walk-In Tiled Showers * Sleek Stainless-Steel Appliances Designer Granite Countertops in Kitchen and Bath Spacious Walk In Closets

Community Features

Elevator Clubhouse Fitness Center Pool

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Air Conditioning Heating Tub/Shower Wheelchair Accessible (Rooms) Dishwasher Disposal Ice Maker Granite Countertops Stainless Steel Appliances Kitchen Oven Refrigerator Walk-In Closets Patio

What's Within Reach

Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around Madison Fountains Apartments.

Grocery

  • Publix Super Market at Shoppes at Beachwalk 4.7
  • Romashka Euro Store 4.6
  • Sprouts Farmers Market 4.2

Pharmacy

  • CVS Pharmacy 4.2
  • Publix Pharmacy at Shoppes at Beachwalk 4.2
  • CVS 2.7

Hospital

  • Ascension St. Vincent's Emergency Care - St. Johns 4.6
  • Ascension St. Vincent's St. Johns County 4.7
  • HCA Florida Julington Creek Emergency 3.6

Gym

  • Capstone Fitness 5.0
  • Training for Warriors Julington Creek - a gym for all fitness levels! 5.0
  • FENIX Fitness 4.9

Restaurant

  • Fuego Bambu Brazilian Grill 4.6
  • JaxSpice at CR210 4.6
  • Cafe Genovese 4.7

Park

  • Riverfront Park 4.8
  • Julington Creek Plantation Park 4.5
  • Veterans Park 4.6

Bank

  • Bank of America (with Drive-thru ATM) 2.7
  • Bank of America ATM (Drive-thru) 5.0
  • Regions Bank 4.0

Gas

  • Pilot Travel Center 4.0
  • Gas Station - delete 3.9
  • GATE Gas Station 4.2

Pet Policy

Bringing a pet? Here's what Madison Fountains 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.

Cats and Dogs Allowed
$25 Monthly Pet Rent
$350 Fee
2 Pet Limit

About Madison Fountains Apartments

Year Built: 2024
Stories: 4 stories
Units: 276
Management: Madison Capital Group
Phone: (855) 605-9351

From the property listing:

At Madison Fountains, we strive to provide our residents with an unparalleled living experience. Our community features a mixture of four-story buildings, offering a variety of housing options for every lifestyle. Each unit is designed with high-end finishes and modern amenities, ensuring that every resident enjoys the utmost comfort and luxury. Located in beautiful Saint Johns, Florida.

Other Options Nearby

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

Frequently Asked Questions

Does Madison Fountains Apartments require renters insurance?
We found specific coverage details on Madison Fountains Apartments's website — these likely reflect lease requirements, but confirm with the leasing office. 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 Madison Fountains Apartments?
For this zip code and building type, expect to pay around $12/month ($139/year). Madison Fountains Apartments has security features that qualify for discounts — with those applied, you could pay as little as $11/month. For context, the statewide average is $16/month, so this building is below average.
What will I actually pay per month at Madison Fountains Apartments?
Plan for $1,351 to $2,873/month all-in. That's base rent ($1,339 – $2,861), plus roughly $12/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Madison Fountains Apartments allow pets?
Yes, Madison Fountains Apartments is pet-friendly. Here are the details: Cats and Dogs Allowed. $25 Monthly Pet Rent. $350 Fee. 2 Pet Limit. If you have a pet, keep in mind that most renters insurance policies cover pet liability — but you may want to increase your liability limit, especially for larger breeds.
What floor plans does Madison Fountains Apartments offer?
There are 6 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom, studio layouts. Rent ranges from $1,339 – $2,861. 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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