3760 SW 40th St, Miami, FL 33146
Southeast Gables
Monthly Cost Breakdown at Modera Douglas Station Apartments
The listed rent isn't the whole number. Here's what Modera Douglas Station Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Modera Douglas Station Apartments
Modera Douglas Station Apartments's website asks for at least $300,000 in liability coverage, and you'll need to add the property as an interested party on your policy. any licensed carrier that meets these minimums will be accepted.
Lease Requirements
* 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.
In Modera Douglas Station Apartments's own words:
"Property Damage Liability Waiver Program"
"Is renter's insurance required for the studio, 1-, 2-, and 3-bedroom apartment homes at Modera Douglas Station?"
"Upon move-in, residents will be automatically enrolled in the Foxen Property Damage Liability Waiver Program at $20 per month, which ensures you meet the $300,000 property liability coverage requirement in your lease. Please note, this is not personal property coverage; however, you can get a renter’s insurance policy to protect your belongings from your preferred provider. Learn more about the Waiver program at Foxen.com."
What Affects Your Premium Here
Every building is different. These factors specific to Modera Douglas Station Apartments can push your insurance cost up or down:
Gated Community
Gated access reduces theft risk — may qualify for security discount
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
$13
Est. Monthly
$151
Est. Annual
$12
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 Modera Douglas Station 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
Lease minimum
What this community requires
We recommend
Minimum rarely covers an actual lawsuit
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 Modera Douglas Station 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
Next Step
See if you can beat $12/mo
6 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. Modera Douglas Station Apartments also has on-site security features (Controlled access, Gated) 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.
On-Site Security
Flood Risk
Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Modera Douglas Station 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 Modera Douglas Station Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Property Damage Liability Waiver Program
Charged per unit.
Trash
Charged per unit.
RentPlus (Credit Reporting)
On-time rent payment credit reporting. Charged per unit.
Electric
Billed by Conservice and paid to community. Charged per unit
Gas
Billed by Conservice and paid to community. Charged per unit
Sewer
Billed by Conservice and paid to community. Charged per unit
Water
Billed by Conservice and paid to community. Charged per unit
Application Fee
Charged per applicant.
Administration Fee
Charged per unit.
Amenity Fee
Charged per unit.
Security Deposit
Subject to screening approval. Charged per unit.
Pets Fees
Pet Screening
Dog
Pet Fee
Max of 2. Charged per pet.
Pet Rent
Max of 2. Charged per pet.
Parking Fees
Parking (First Space)
Max of 1. Limited to 1 per leaseholder, max of 2 per home Charged per vehicle.
Parking (Second Space)
Max of 1. Limited to 1 per leaseholder, max of 2 per home Charged per vehicle.
Addons Fees
Lease Modifications
Charged per unit.
EV Stations
Limited to 1 per leaseholder, max of 2 per home Charged per unit.
Situational Fees
Transfer Fee
Charged per unit.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Modera Douglas Station Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Modera Douglas Station Apartments
From the property listing:
Experience our exceptional studio, 1-, 2-, and 3-bedroom apartments with upscale finishes and stunning city views. Our Miami apartment homes feature upgraded finishes like porcelain tile floors, stainless steel appliances, modern light fixtures, and coveted quartz countertops! These open layouts with floor-to-ceiling windows that allow natural light to permeate the rooms are waiting - preview your next home now.
Other Options Nearby
Still weighing your choices? Other communities in Miami — compare rent and estimated insurance cost side by side.
Avalon Merrick Park Apartments
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Cascade Link at Douglas Apartments
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Core Link at Douglas Apartments
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Gables Ponce Apartments
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The Residences at Merrick Park Apartments
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1000 Brickell Plz Condo
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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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