Renters Insurance at 1183 Coastal Mdw Trl Rental
What Affects Your Premium Here
Every building is different. These factors specific to 1183 Coastal Mdw Trl Rental can push your insurance cost up or down:
Gated Community
Gated access reduces theft risk — may qualify for security discount
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
$17
Est. Monthly
$206
Est. Annual
$16
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 1183 Coastal Mdw Trl Rental 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
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 1183 Coastal Mdw Trl Rental:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $10/mo | $118/yr |
| USAA | $11/mo | $132/yr |
| State Farm | $15/mo | $176/yr |
| Progressive | $16/mo | $191/yr |
| Safeco | $16/mo | $191/yr |
| Travelers | $17/mo | $206/yr |
| Allstate | $18/mo | $220/yr |
| Nationwide | $18/mo | $220/yr |
| Farmers | $20/mo | $235/yr |
| Liberty Mutual | $22/mo | $264/yr |
Discounts You May Qualify For
Next Step
See if you can beat $16/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 Jacksonville Sheriff's Office.
Jacksonville 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. 1183 Coastal Mdw Trl Rental also has on-site security features (Gated, Gated access, Covered parking) that insurers recognize with discounts.
Source: FBI UCR Program, Jacksonville Sheriff's Office (2024-12 to 2025-11)
On-Site Security
Natural Hazards & Your Renters Coverage
Renters at this address have one borderline natural-hazard decision to make: whether to buy an earthquake endorsement on top of a standard policy. USGS rates the area as moderate seismic hazard. Flood and severe weather aren't standout concerns. Below is what each agency actually shows.
Flood damage
FEMA's flood-zone classification for this address is low-risk, which means the federal government doesn't expect significant flooding here under typical conditions. A standard renters policy still excludes flood damage, but a separate flood policy is hard to justify economically when the underlying risk is low. The zone label is below for the record.
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.
Earthquake shaking
Damaging earthquakes happen here, but not often — USGS rates the area as moderate seismic hazard. A renters earthquake endorsement is inexpensive (typically under $100 a year) and worth weighing against the value of what's actually in your unit. The math leans toward 'add it' if you have high-value electronics, instruments, or art; 'skip it' for sparse furnishings.
Moderate seismic hazard · ground motion 0.05g
Endorsements priced for renters typically run under $100 a year and only cover personal property. Whether it pays back depends on the value of what's in your unit.
Hazard data from USGS National Seismic Hazard Model. The ground-motion figure is the level USGS expects to be exceeded with about 2% probability over a 50-year horizon — the standard reference used in building codes.
Severe weather you'd actually claim for
NOAA's records put Duval County squarely in severe-weather territory: roughly 27 severe-weather events a year on average over the past five years. Unlike flood and earthquake, this is the kind of damage a standard renters policy is built for — wind, hail, lightning, and storm-driven water from a damaged roof are all covered. The historical breakdown is below.
Severe-weather damage to personal belongings is covered without an endorsement on every standard renters policy. The frequency above is part of why carrying the coverage matters here, not a reason to add anything extra.
Source: NOAA Storm Events Database, annual averages from the past five years for Duval County. Counts reflect reported events, not damage amounts.
The earthquake endorsement is the only meaningful optional add-on at this kind of address. Whether it's worth the premium depends on what's actually in your unit.
1183 Coastal Mdw Trl, Jacksonville, FL 32218
North Side
Monthly Cost Breakdown at 1183 Coastal Mdw Trl Rental
The listed rent isn't the whole number. Here's what 1183 Coastal Mdw Trl Rental actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at 1183 Coastal Mdw Trl Rental. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Smart Home with video doorbell
Charged per unit.
Landscaping Fee
Charged per unit.
Internet & Media
Charged per unit.
Utility Billing Service Fee
Charged per unit.
Air Filter Delivery Fee
Charged per unit.
What's Within Reach
Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around 1183 Coastal Mdw Trl Rental.
Pharmacy
- Walmart Pharmacy 3.4
- CVS Pharmacy 3.6
- Walgreens Pharmacy 2.7
Hospital
- UF Health North Emergency Room 2.5
- UF Health North 3.0
- Baptist & Wolfson North Emergency Room (ER) 4.8
Gym
- EnerGYM NorthJAX 4.8
- Workout Anytime Duval Station 4.6
- EnerGYM NorthJAX 4.9
Restaurant
- Dave's Hot Chicken 4.8
- Olive Garden Italian Restaurant 4.3
- Texas Roadhouse 4.0
Park
- Oceanway Park 3.8
- Big Talbot Island State Park 4.8
- Huguenot Memorial Park 4.6
Bank
- Cajero Automático Santander 2.5
- Banco Santander 4.2
- Ibercaja Banco 2.6
Gas
- Circle K | Gas Station 4.0
- Circle K | Gas Station 3.8
- GATE Gas Station 4.4
Pet Policy
Bringing a pet? Here's what 1183 Coastal Mdw Trl Rental 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.
About 1183 Coastal Mdw Trl Rental
From the property listing:
Lease this home and get more from Invitation Homes professional property management. This home comes fully loaded with quality amenities, must-have services, high-end tech and ProCare® professional maintenance. Your estimated total monthly payment is $2068.90. That covers your base rent, $1849.00 + our required services designed to make your life easier: Air Filter Delivery Fee ($9.95), Internet & Media ($85), Landscaping Fee ($75), Smart Home with video doorbell ($40), and Utility Billing Service Fee ($9.95). Base rent varies based on selected lease term.
Frequently Asked Questions
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