Dominion Tower Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Dominion Tower Apartments in Downtown Miami? Rent here runs $1,530 – $2,410, and renters insurance adds about $18/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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1400 NW 10th Ave, Miami, FL 33136

Downtown Miami

Built 2021 22 stories 126 units
3.4/5 ·35 reviews Google
4/5 ·3 reviews Apt. Finder
$1,530 – $2,410 /month

Monthly Cost Breakdown at Dominion Tower Apartments

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

Total Monthly Cost $1,548 – $2,428
Base Rent $1,530 – $2,410
Est. Renters Insurance $18/mo

Renters Insurance at Dominion Tower Apartments

What Affects Your Premium Here

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

Controlled Access

Electronic/key fob entry — reduces unauthorized entry risk

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

$212

Est. Annual

$17

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 Dominion Tower 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 Dominion Tower Apartments:

Carrier Monthly Annual
Lemonade $12/mo $139/yr
USAA $13/mo $156/yr
State Farm $17/mo $208/yr
Progressive $19/mo $226/yr
Safeco $19/mo $226/yr
Travelers $20/mo $243/yr
Allstate $22/mo $260/yr
Nationwide $22/mo $260/yr
Farmers $23/mo $278/yr
Liberty Mutual $26/mo $313/yr

Discounts You May Qualify For

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

Next Step

See if you can beat $17/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 Miami.

Miami property crime rate

2,477

per 100K residents

57% above U.S. avg

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

Breakdown per 100K residents

Burglary
232 / 200
Larceny / theft
1,994 / 1,172
Vehicle theft
252 / 206

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. Dominion Tower Apartments also has on-site security features (Controlled access, Property manager on site, Concierge, Doorman, Covered parking) that insurers recognize with discounts.

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.

Fire Mentioned
Noise Mentioned
Slip/Fall Hazards Mentioned
Pest Issues Mentioned
Maintenance Issues Mentioned

On-Site Security

Controlled access Property manager on site Concierge Doorman Covered parking

Flood Risk

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

$95

Administrative Fee

Charged per unit.

$300

Pets Fees

Pet Deposit

Max of 1. Charged per pet.

Free

One-Time Pet Fee

Max of 1. Charged per pet.

$500

Monthly Pet Fee

Max of 1. Charged per pet.

$25 / mo

Parking Fees

Parking Fee

Max of 1. Charged per vehicle.

$50 / mo

Garage Lot

Parking garage $50 for first vehicle and $80 for each additional vehicle. Rates are per month.

Amenities

Special Features

Ceiling Fan 24 Hour Availability Garage High Speed Internet Controlled Access Large Closets

Community Features

Laundry Facilities Day Care Maintenance on site 24 Hour Access On-Site Retail Public Transportation Elevator Storage Space Walk To Campus

Floor Plan Amenities

High Speed Internet Access Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Trash Compactor Storage Space Tub/Shower Fireplace Wheelchair Accessible (Rooms) Disposal Kitchen Microwave Oven Range Refrigerator Carpet Office Walk-In Closets Balcony Deck Lawn

Pet Policy

Bringing a pet? Here's what Dominion Tower 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
$500 Fee
20 lb Weight Limit
2 Pet Limit
1 Pet Limit

About Dominion Tower Apartments

Year Built: 2021
Stories: 22 stories
Units: 126
Phone: (786) 753-8555

From the property listing:

Dominion Tower is located in the heart of the of Miami and the health district. Walk to UMH OR JMH and enjoy hi-rise living, being close to all that is Miami. Minutes to Miami Airport, Downtown, Brickell and fabulous shopping, dining and entertainment. Visit us today for your personal tour. We look forward to welcoming you hope to Dominion Tower. We work with realtors, please call our office for more information.

Other Options Nearby

Still weighing your choices? These communities are in the same part of Miami — compare rent and estimated insurance cost side by side.

Frequently Asked Questions

Does Dominion Tower Apartments require renters insurance?
We didn't find a public insurance requirement for Dominion Tower 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 Dominion Tower Apartments?
For this zip code and building type, expect to pay around $18/month ($212/year). Dominion Tower Apartments has security features that qualify for discounts — with those applied, you could pay as little as $17/month. For context, the statewide average is $16/month, so this building is above average.
What will I actually pay per month at Dominion Tower Apartments?
Plan for $1,548 to $2,428/month all-in. That's base rent ($1,530 – $2,410), plus roughly $18/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Dominion Tower Apartments allow pets?
Yes, Dominion Tower Apartments is pet-friendly. Here are the details: Cats Allowed. $25 Monthly Pet Rent. $500 Fee. 20 lb Weight Limit. 2 Pet Limit. 1 Pet Limit. Standard renters insurance covers pet-related liability at no extra cost.
How safe is the area around Dominion Tower Apartments?
Property crime in Miami runs noticeably higher than the national average — 2,477 incidents per 100,000 residents versus the U.S. average of 1,578. 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 232/100K here. On the property itself, you'll find controlled access, property manager on site, concierge, doorman — features that can qualify for premium discounts.
What floor plans does Dominion Tower Apartments offer?
There are 6 floor plans to choose from, spanning 1-bedroom, 2-bedroom, studio layouts. Rent ranges from $1,530 – $2,410. 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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