11 East Forsyth Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at 11 East Forsyth Apartments in Downtown Jacksonville? Rent here runs $1,128 - $2,337, and renters insurance adds about $21/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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11 E Forsyth St, Jacksonville, FL 32202

Downtown Jacksonville

Managed by WRH Realty Services, LLC Built 1926 17 stories 127 units
4.1/5 ·83 reviews Google
4/5 ·4 reviews Apt. Finder
$1,128 - $2,337 /month

Monthly Cost Breakdown at 11 East Forsyth Apartments

The listed rent isn't the whole number. Here's what 11 East Forsyth Apartments actually costs each month once you add required fees and insurance.

Total Monthly Cost $1,149 – $2,358
Base Rent $1,128 – $2,337
Required Monthly Fees $0
Est. Renters Insurance $21/mo

Renters Insurance at 11 East Forsyth Apartments

What Affects Your Premium Here

Every building is different. These factors specific to 11 East Forsyth Apartments can push your insurance cost up or down:

Older Building

Built in 1926 — older plumbing/electrical may increase risk

Gated Community

Gated access reduces theft risk — may qualify for security discount

Controlled Access

Electronic/key fob entry — reduces unauthorized entry risk

Dog-Friendly

Dogs allowed — consider higher liability coverage

FEMA Flood Zone

Zone X — minimal flood risk

FBI UCR

Property crime rate: 2168/100K (37% above national average)

What You'll Likely Pay

$21

Est. Monthly

$255

Est. Annual

$20

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 11 East Forsyth Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$40,000 recommended

If you own less

$20,000

If you own more

$60,000

Liability

Covers accidental harm & lawsuits

$300,000 recommended

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 11 East Forsyth Apartments:

Carrier Monthly Annual
Lemonade $11/mo $134/yr
USAA $13/mo $150/yr
State Farm $17/mo $200/yr
Progressive $18/mo $217/yr
Safeco $18/mo $217/yr
Travelers $19/mo $234/yr
Allstate $21/mo $250/yr
Nationwide $21/mo $250/yr
Farmers $22/mo $267/yr
Liberty Mutual $25/mo $301/yr

Discounts You May Qualify For

Gated community
-5%
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 $20/mo

6 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 Jacksonville.

2,168 per 100K residents

Property crime rate in Jacksonville

37% above national average (1,578/100K)

Breakdown per 100K residents

Burglary255 (nat. 200)
Larceny / theft1,708 (nat. 1,172)
Vehicle theft204 (nat. 206)

Higher-than-average property crime is why insurance carriers charge more in this zip code — your premium reflects the claims frequency for the area. 11 East Forsyth Apartments also has on-site security features (Controlled access, Property manager on site, Gated, Covered parking) that insurers recognize with discounts.

Source: FBI UCR Program, Jacksonville Sheriff's Office (2024-12 to 2025-11)

On-Site Security

Controlled access Property manager on site Gated 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 11 East Forsyth 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 11 East Forsyth Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Pets Fees

Dog Fee

Charged per pet.

$350

Dog Rent

Charged per pet.

$25 / mo

Cat Fee

Charged per pet.

$350

Cat Rent

Charged per pet.

$25 / mo

Amenities

Special Features

Full Service Kitchen Community Coffee Bar with NitroBrew Historic Building Air Conditioner Billiards Area Concrete Floors Off Street Parking Planned Resident Functions Upgraded Appliances Designer Kitchens Media Room Parking Garage with Reserved Spaces Polished Concrete Floors Stunning Views of the River City Bike Racks Loft Floor Plans Available Wifi In Common Area's In Clubhouse Carpeting Distinctive Lighting Fixtures On Site Restaruant-superfoods And Brew Updater Moving Partner Coffee Service In Lobby-24/7/365 Conference Room Large Closets Online Payment Options Shuffle Board Unique Urban Design

Community Features

Maintenance on site Dry Cleaning Service Online Services Planned Social Activities Public Transportation Elevator Clubhouse Multi Use Room Vintage Building Conference Rooms Corporate Suites Fitness Center

Floor Plan Amenities

High Speed Internet Access Wi-Fi Washer/Dryer Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Tub/Shower Dishwasher Disposal Ice Maker Pantry Eat-in Kitchen Kitchen Microwave Oven Range Refrigerator Hardwood Floors Carpet Dining Room High Ceilings Office Recreation Room Walk-In Closets Window Coverings

What's Within Reach

Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around 11 East Forsyth Apartments.

Grocery

  • The Fresh Market 4.5
  • Publix Super Market at Shoppes at East San Marco 4.6
  • Publix Super Market at Riverside 4.5

Pharmacy

  • Walgreens 3.2
  • Capsule 4.5
  • Walgreens Specialty Pharmacy 4.7

Hospital

  • Ascension St. Vincent's Emergency Care - Riverside 4.0
  • Baptist Jacksonville Emergency Room (ER) 2.4
  • UF Health Jacksonville Emergency Room 2.2

Gym

  • Orangetheory Fitness 4.3
  • Yoga Mix 4.9
  • Snap Fitness Jacksonville 4.7

Restaurant

  • Gyro 365 4.7
  • Spliffs Gastropub 4.3
  • bellwether 4.5

Park

  • James Weldon Johnson Park 4.3
  • City of Jacksonville- Parks, Recreation, And Community Services 2.9
  • Jessie Ball DuPont Park 4.8

Bank

  • Ameris Bank 4.9
  • Regions Bank 3.3
  • BB&T 3.8

Gas

  • Shell 2.8
  • GATE Gas Station 4.4
  • 7-Eleven 2.7

Pet Policy

Bringing a pet? Here's what 11 East Forsyth Apartments 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

  • $25 Monthly Pet Rent
  • $350 Fee
  • 2 Pet Limit

About 11 East Forsyth Apartments

Located in the heart of downtown Jacksonville, 11 East Forsyth originally contained commercial offices and was opened by entrepreneur and film pioneer Stephen Andrew Lynch in 1926. The Vestcor Companies restored the charming exterior design and transformed this 17-story historical landmark into loft-style apartments with a luxury, urban design. Situated in a premier downtown location, 11 East offers a wealth of amenities, including a state-of-the-art fitness center with complete circuit equipment and cardio theater. A resident clubroom with hospitality kitchen, billiards area, and media room as well as casual sitting areas are all part of our community's elegant amenities. Features include stunning views of the River City, distinctive lighting features, designer kitchens, upgraded appliances, custom wood flooring, and cable-TV access, to name just a few.

Year Built: 1926
Stories: 17
Total Units: 127
Management: WRH Realty Services, LLC
Phone: (904) 440-1912

Other Options Nearby

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

Frequently Asked Questions

Does 11 East Forsyth Apartments require renters insurance?
We didn't find a public insurance requirement for 11 East Forsyth 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 11 East Forsyth Apartments?
For this zip code and building type, expect to pay around $21/month ($255/year). 11 East Forsyth Apartments has security features that qualify for discounts — with those applied, you could pay as little as $20/month. For context, the statewide average is $16/month, so this building is right around average.
What will I actually pay per month at 11 East Forsyth Apartments?
Plan for $1,149 to $2,358/month all-in. That's base rent ($1,128 - $2,337), plus roughly $21/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does 11 East Forsyth Apartments allow pets?
Yes, 11 East Forsyth Apartments is pet-friendly. Here are the details: Cats and Dogs Allowed. $25 Monthly Pet Rent. $350 Fee. 2 Pet Limit. 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 11 East Forsyth Apartments?
Property crime in Jacksonville runs noticeably higher than the national average — 2168 incidents per 100,000 residents versus the U.S. average of 1578. 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 255/100K here. On the property itself, you'll find controlled access, property manager on site, gated, covered parking — features that can qualify for premium discounts.
What floor plans does 11 East Forsyth Apartments offer?
There are 16 floor plans to choose from, spanning 1-bedroom, 2-bedroom, studio layouts. Rent ranges from $1,128 - $2,337. 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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