1098 Cherry St Apartment: Renters Insurance Guide & What It Actually Costs

Last updated Apr 12, 2026

Thinking about renting at 1098 Cherry St Apartment in Central Jacksonville? Rent here runs $1,250, 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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1098 Cherry St, Unit 4, Jacksonville, FL 32205

Central Jacksonville

$1,250 /month

Monthly Cost Breakdown at 1098 Cherry St Apartment

The listed rent isn't the whole number. Here's what 1098 Cherry St Apartment actually costs each month once you add required fees and insurance.

Total Monthly Cost $1,264 – $1,264
Base Rent $1,250
Required Monthly Fees $0
Est. Renters Insurance $14/mo

Renters Insurance at 1098 Cherry St Apartment

What Affects Your Premium Here

Every building is different. These factors specific to 1098 Cherry St Apartment can push your insurance cost up or down:

Open Access

No gated or controlled access — higher theft exposure

Dog-Friendly

Dogs allowed — consider higher liability coverage

FEMA Flood Zone

Zone X — minimal flood risk

AreaVibes

Crime grade: C

NeighborhoodScout

Safer than only 6% 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 1098 Cherry St Apartment based on the rent level and building features.

Personal Property Coverage

$40,000 recommended
Low: $20,000 High: $60,000

Liability Coverage

$300,000 $300,000

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 1098 Cherry St Apartment:

Carrier Monthly Annual
Lemonade $8/mo $96/yr
USAA $9/mo $108/yr
State Farm $12/mo $144/yr
Progressive $13/mo $156/yr
Safeco $13/mo $156/yr
Travelers $14/mo $168/yr
Allstate $15/mo $180/yr
Nationwide $15/mo $180/yr
Farmers $16/mo $192/yr
Liberty Mutual $18/mo $216/yr

Discounts You May Qualify For

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

Next Step

See if you can beat $14/mo

4 discounts may apply here. Real quotes show your actual price — estimates can't.

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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 1098 Cherry St Apartment.

C

Area Crime Grade

6%

Jacksonville overall is safer than only 6% 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.

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for 1098 Cherry St Apartment.

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 1098 Cherry St Apartment. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Security Deposit - Refundable

Charged per unit.

$1,250

Amenities

Floor Plan Amenities

Washer/Dryer Cable Ready Oven Refrigerator Hardwood Floors Tile Floors Lawn

What's Within Reach

Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around 1098 Cherry St Apartment.

Grocery

  • Whole Foods Market 4.4
  • Publix Super Market at Riverside 4.5
  • The Fresh Market 4.5

Pharmacy

  • Citizen Pharmacy 4.1
  • Walgreens Pharmacy 3.2
  • Capsule 4.5

Hospital

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

Gym

  • Orangetheory Fitness 4.9
  • Snap Fitness Jacksonville 4.7
  • Trinity Fitness - Riverside 5.0

Restaurant

  • Gyro 365 4.7
  • European Street Cafe 4.6
  • Lola's Burrito & Burger Joint 4.5

Park

  • Willowbranch Park 4.5
  • Cherry Street Park 4.3
  • Boone Park South 4.8

Bank

  • Ameris Bank 4.9
  • Ameris Bank 4.9
  • Ameris Bank 4.7

Gas

  • bp 3.1
  • bp 2.5
  • Shell 2.8

Pet Policy

Bringing a pet? Here's what 1098 Cherry St Apartment 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

About 1098 Cherry St Apartment

Property Id: 1551533 Inviting 1 bedroom, 1 bathroom second-story unit located in the vibrant Riverside/Avondale area of Jacksonville, FL. It is a prime location near shops, trendy eateries, and scenic parks. Cozy living space featuring natural light and hardwood floors. The kitchen contains essential appliances including a refrigerator and oven. Adjacent to the kitchen, is personal washer and dryer. There is off-street parking as well. Schedule your tour today! Video tour link:

Phone: (727) 501-6922

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.

105 W 36th St Rental

Central Jacksonville

$635 Ins: ~$14/mo
Moderate Risk

1115 W 22nd St Rental

Central Jacksonville

$1,195 Ins: ~$14/mo
Moderate Risk

1136 Maynard St Rental

Central Jacksonville

$1,045 Ins: ~$14/mo
Moderate Risk

1184 Comanche St Apartment

Central Jacksonville

$1,185 Ins: ~$14/mo
Moderate Risk

1353 Palmetto St Rental

Central Jacksonville

$1,330 Ins: ~$14/mo
Moderate Risk

1437 Prince St Apartment

Central Jacksonville

$1,250 Ins: ~$14/mo
Moderate Risk

Frequently Asked Questions

Does 1098 Cherry St Apartment require renters insurance?
We didn't find a public insurance requirement for 1098 Cherry St Apartment, 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 1098 Cherry St Apartment?
For this zip code and building type, expect to pay around $14/month ($168/year). For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at 1098 Cherry St Apartment?
Plan for $1,264 to $1,264/month all-in. That's base rent ($1,250), plus roughly $14/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does 1098 Cherry St Apartment allow pets?
Yes, 1098 Cherry St Apartment is pet-friendly. Here are the details: . Cats and Dogs Allowed. 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.
How safe is the area around 1098 Cherry St Apartment?
The area has a C crime grade, which is worth factoring into your coverage decisions. That puts it safer than 6 of U.S. cities.

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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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