1609 Morgana Rd Rental: Renters Insurance Guide & What It Actually Costs

Last updated Apr 14, 2026

Thinking about renting at 1609 Morgana Rd Rental in Arlington? Rent here runs $1,600, and renters insurance adds about $16/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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1609 Morgana Rd, Jacksonville, FL 32211

Arlington

$1,600 /month

Monthly Cost Breakdown at 1609 Morgana Rd Rental

The listed rent isn't the whole number. Here's what 1609 Morgana Rd Rental actually costs each month once you add required fees and insurance.

Total Monthly Cost $1,746
Base Rent $1,600
Required Monthly Fees $130
Est. Renters Insurance $16/mo

Renters Insurance at 1609 Morgana Rd Rental

What Affects Your Premium Here

Every building is different. These factors specific to 1609 Morgana Rd Rental 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

$16

Est. Monthly

$196

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 1609 Morgana Rd Rental 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 1609 Morgana Rd Rental:

Carrier Monthly Annual
Lemonade $9/mo $112/yr
USAA $11/mo $126/yr
State Farm $14/mo $168/yr
Progressive $15/mo $182/yr
Safeco $15/mo $182/yr
Travelers $16/mo $196/yr
Allstate $18/mo $210/yr
Nationwide $18/mo $210/yr
Farmers $19/mo $224/yr
Liberty Mutual $21/mo $252/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 $16/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 1609 Morgana Rd Rental.

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. The good news: 1609 Morgana Rd Rental has on-site security features (Covered parking) that insurers recognize with premium discounts.

On-Site Security

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 1609 Morgana Rd Rental.

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 1609 Morgana Rd Rental. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

smartHomeFee

Charged per unit.

$19.99 / mo

septicFee

Charged per unit.

$39.60 / mo

utilitiesAdminFee

Charged per unit.

$9.99 / mo

Amenities

Community Features

Laundry Facilities

Floor Plan Amenities

Air Conditioning Stainless Steel Appliances Pantry Hardwood Floors Vinyl Flooring

What's Within Reach

Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around 1609 Morgana Rd Rental.

Grocery

  • Valdes Farmers Market 4.2
  • Publix Super Market at Dames Pointe 4.5
  • Publix Super Market at Arlington River 4.6

Pharmacy

  • Walgreens 2.8
  • Pharmacy Plus 5.0
  • Citizen Pharmacy 4.8

Hospital

  • HCA Florida Memorial Hospital Emergency Room 3.9
  • HCA Florida Memorial Hospital 4.1
  • Ascension St. Vincent's Emergency Care - Southside 4.2

Gym

  • Orangetheory Fitness 4.3
  • Crunch Fitness - Regency Park 4.5
  • Florida Extreme Fitness Center 4.7

Restaurant

  • Gyro 365 4.7
  • Wallys Tasty Bites 4.9
  • Sweet Mama's Southern Homestyle Cookin 4.4

Park

  • Game Show Battle Rooms - Jacksonville (St Johns Town Center) 5.0
  • Blue Cypress Park 4.4
  • Losco Regional Park 4.6

Bank

  • Regions Bank 3.7
  • Bank of America (with Drive-thru ATM) 3.0
  • Regions Bank 3.3

Gas

  • Exxon 3.5
  • Exxon 3.8
  • GATE Gas Station 4.2

Pet Policy

Bringing a pet? Here's what 1609 Morgana Rd 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.

Cats and Dogs Allowed

About 1609 Morgana Rd Rental

Please note, our homes are available on a first-come, first-serve basis and are not reserved until the lease is signed by all applicants and security deposits are collected. This home features Progress Smart Home - Progress Residential's smart home app, which allows you to control the home securely from any of your devices. Learn more at Want to tour on your own? Click the “Self Tour” button on this home’s listing or call to register for a self-guided showing at a time that works best for you. Interested in this home? You clearly have exceptional taste. This charming 3.0-bedroom, 1.0-bathroom home is not only pet-friendly, but also equipped with smart home features to make everyday life more convenient and connected. Homes like this don’t stay on the market for long—don’t miss your chance to make it yours. Apply today! Some images have been virtually staged to help showcase the potential of spaces in the home. The furnishings shown are for illustrative purposes only and are not included in the home.

Phone: (833) 252-8444

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.

1126 Brookwood Bluff Rd E Rental

Arlington

$2,000 Ins: ~$14/mo

12318 Cobblestone Cir S Rental

Arlington

$2,030 Ins: ~$16/mo

12341 Amanda Cove Trail Rental

Arlington

$2,399 Ins: ~$16/mo

12344 Sondra Cove Trail N Rental

Arlington

$2,050 Ins: ~$16/mo

13146 Staffordshire Dr S Rental

Arlington

$2,315 Ins: ~$16/mo

1438 Magnolia Cir W Rental

Arlington

$1,524 Ins: ~$16/mo

Frequently Asked Questions

Does 1609 Morgana Rd Rental require renters insurance?
We didn't find a public insurance requirement for 1609 Morgana Rd 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 1609 Morgana Rd Rental?
For this zip code and building type, expect to pay around $16/month ($196/year). For context, the statewide average is $16/month, so this building is right around average.
What will I actually pay per month at 1609 Morgana Rd Rental?
Plan for $1,746 to $1,746/month all-in. That's base rent ($1,600), plus $130/month in required fees (trash, utilities, etc.), plus roughly $16/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does 1609 Morgana Rd Rental allow pets?
Yes, 1609 Morgana Rd Rental 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 1609 Morgana Rd Rental?
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. On the property itself, you'll find covered parking — features that can also qualify you for insurance discounts.
What parking is available at 1609 Morgana Rd 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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