Renters Insurance at Quail Roost Station Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Quail Roost Station 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
$16
Est. Monthly
$187
Est. Annual
$15
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 Quail Roost Station Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$20,000
If you own more
$50,000
Liability
Covers accidental harm & lawsuits
Standard minimum for most lease requirements in Florida
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Quail Roost Station 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
Next Step
See if you can beat $15/mo
5 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. Quail Roost Station Apartments also has on-site security features (Controlled access) 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 Quail Roost 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.
18505 Homestead Ave, Miami, FL 33157
Homestead/South Dade
Monthly Cost Breakdown at Quail Roost Station Apartments
The listed rent isn't the whole number. Here's what Quail Roost Station Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Quail Roost Station Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Application Fee Per Applicant
non-refundable application fee per adult household member Charged per applicant.
Additional Security Deposit - Refundable
Holding fee for a deposit (non-refundable after 72 hours if the applicant fails to enter the lease agreement after approval of application) Security deposit is equal to Two months with approved credit. It may increase depending on credit. Charged per unit.
Pet Policy
Bringing a pet? Here's what Quail Roost 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 Quail Roost Station Apartments
From the property listing:
Welcome to Quail Roost Station, a residential community featuring studio, one and two bedroom apartments in Miami, FL. PHASE 2 UNITS ARE NOW AVAILABLE! Our Phase 2, Senior Living apartment homes provide spacious layouts and amenities that welcome you home, along with exceptional service and an ideal location within walking distance of shopping, dining, and entertainment options. Are you looking for an apartment for rent in Miami, FL? Contact our friendly, professional office staff to schedule a tour today.
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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