10495 McGirts Creek Dr Rental: Renters Insurance Guide & What It Actually Costs

Last updated Apr 09, 2026

Thinking about renting at 10495 McGirts Creek Dr Rental in West Side? Rent here runs $2,535, and renters insurance adds about $14/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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10495 McGirts Creek Dr, Jacksonville, FL 32221

West Side

$2,535 /month

Monthly Cost Breakdown at 10495 McGirts Creek Dr Rental

The listed rent isn't the whole number. Here's what 10495 McGirts Creek Dr Rental actually costs each month once you add required fees and insurance.

Total Monthly Cost $2,549 – $2,549
Base Rent $2,535
Required Monthly Fees $0
Est. Renters Insurance $14/mo

Renters Insurance at 10495 McGirts Creek Dr Rental

What Affects Your Premium Here

Every building is different. These factors specific to 10495 McGirts Creek Dr Rental can push your insurance cost up or down:

Open Access

No gated or controlled access — higher theft exposure

NeighborhoodScout

Safer than only 1% of US cities

What You'll Likely Pay

$14

Est. Monthly

$168

Est. Annual

$14

With Discounts/mo

$14

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 10495 McGirts Creek Dr Rental based on the rent level and building features.

Personal Property Coverage

$75,000 recommended
Low: $40,000 High: $100,000

Liability Coverage

$100,000 $100,000

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 10495 McGirts Creek Dr Rental:

Carrier Est. Monthly Est. Annual Tier Buy Online
Lemonade $8 $96 budget Yes
USAA $9 $108 budget —
State Farm $12 $144 mid —
Progressive $13 $156 mid Yes
Safeco $13 $156 mid —
Travelers $14 $168 mid —
Allstate $15 $180 mid —
Nationwide $15 $180 mid —
Farmers $16 $192 premium —
Liberty Mutual $18 $216 premium —

Discounts You May Qualify For

Claims-free (if applicable)

Up to 10% off

Pay-in-full annual

Up to 7% off

Paperless/autopay

Up to 3% off

Multi-policy bundle

Up to 10% off

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Fees Beyond Rent

These are the additional charges beyond base rent at 10495 McGirts Creek Dr Rental. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Parking Fees

Garage Lot

Safety & Security

The neighborhood around your apartment directly affects your renters insurance rate — carriers charge more in higher-crime zip codes and less where theft and property damage are rare. Here's what the data says about the area around 10495 McGirts Creek Dr Rental.

1%

Jacksonville overall is safer than only 1% of U.S. cities

This reflects Jacksonville as a whole — your specific zip code may score differently. Carriers use zip-level data when pricing your policy. The good news: 10495 McGirts Creek Dr Rental has on-site security features (Covered parking) that insurers recognize with premium discounts.

On-Site Security

Covered parking

Amenities

Floor Plan Amenities

Air Conditioning Ceiling Fans Dishwasher Microwave Refrigerator

What's Within Reach

Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around 10495 McGirts Creek Dr Rental.

Grocery

  • Winn-Dixie 4.1
  • Publix Super Market at Normandy Crossing 4.5
  • Publix Super Market at the Plaza at Normandy 4.5

Pharmacy

  • Ryan Pharmacy 4.4
  • CVS Pharmacy 2.8
  • Publix Pharmacy at the Plaza at Normandy 3.8

Hospital

  • Ascension St. Vincent's Emergency Care - Westside 4.5
  • HCA Florida Memorial Hospital Emergency Room 3.9
  • UF Health Emergency & Urgent Care Center - Lane Avenue 4.3

Gym

  • New U Fitness Jax 4.3
  • Chuze Fitness 4.2
  • Chuze Fitness 4.3

Restaurant

  • Cinco De Mayo Authentic Mexican Restaurant 4.1
  • Wise Guys Pizza Cafe 4.2
  • Hokkaido Japanese Restaurant 4.1

Park

  • Crystal Springs Park 4.5
  • Julian Barrs Community Center And Crystal Springs Park 4.5
  • Lew Brantley Park & McGirts Creek Community Center 4.2

Bank

  • Bank of America ATM 3.0
  • TD Bank 3.1
  • Bank of America (with Drive-thru ATM) 2.9

Gas

  • Circle K | Gas Station 4.0
  • Shell 4.1
  • Pilot Travel Center 3.9

About 10495 McGirts Creek Dr Rental

Special security deposit offer: Pay just 50% of your base rent as your security deposit (taxes and fees not included), valid for new applicants who sign a 12-month lease by April 30, 2026. Offer is contingent on application approval and execution of a lease agreement. Other terms and conditions may apply. This property is professionally managed by AMH, a leading single-family rental company. We work to simplify your rental experience by offering self-guided tours and a streamlined leasing process you can complete all online, all on your own schedule. Scheduled lawn care service is provided at additional cost, so you can enjoy your weekends stress-free. We look forward to welcoming you home! See Today, Sign Today™ Take a self-guided tour of this property using our Let Yourself In® service to view the space on your own schedule, without an agent. And if your documents are in order, you might even view a home and sign a lease on the same day! Utilities, taxes, and other fees may apply. Please verify and confirm all information before signing a lease. If you have questions, don’t hesitate to contact us at the telephone number on this property listing. All lease applications, documentation, and initial payments for this property, must be submitted directly through or by phone. The photos, renderings, or other images of the properties on our website, are for illustrative purposes only, and may vary from the features, amenities, or phase of construction. We do not advertise properties on Craigslist, Facebook Marketplace, or other classified advertising websites. If you believe one of our residences is listed there, please notify us. For further description of applicable fees, please go to our website.

Phone: (833) 736-8264

Other Options Nearby

Still weighing your choices? These communities are in the same part of Jacksonville — with their own insurance costs and safety profiles worth comparing.

10143 Meadow Point Dr Rental

West Side

$2,395 Ins: ~$14/mo

10769 Las Colinas Way Rental

West Side

$2,145 Ins: ~$14/mo

11412 Brian Lakes Dr N Rental

West Side

$1,860 Ins: ~$14/mo

11633 Brian Lakes Dr N Rental

West Side

$1,875 Ins: ~$14/mo

11829 Parker Lakes Drive Rental

West Side

$2,260 Ins: ~$14/mo

1431 Redbird Creek Dr Rental

West Side

$1,985 Ins: ~$14/mo

Frequently Asked Questions

Does 10495 McGirts Creek Dr Rental require renters insurance?
We didn't find a public insurance requirement for 10495 McGirts Creek Dr Rental, 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 10495 McGirts Creek Dr Rental?
For this zip code and building type, expect to pay around $14/month ($168/year). 10495 McGirts Creek Dr Rental has security features that qualify for discounts — with those applied, you could pay as little as $14/month. For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at 10495 McGirts Creek Dr Rental?
Plan for $2,549 to $2,549/month all-in. That's base rent ($2,535), plus roughly $14/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
What parking is available at 10495 McGirts Creek Dr Rental?
Garage Parking. Worth noting: covered or garage parking can reduce your vehicle's exposure to weather and theft, which some auto insurance carriers reward with lower rates.

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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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