2569 Sandy Dune Dr Rental: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at 2569 Sandy Dune Dr Rental in North Beach? Rent here runs From $2,195, and renters insurance adds about $15/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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2569 Sandy Dune Dr, Jacksonville, FL 32233

North Beach

From $2,195 /month

Monthly Cost Breakdown at 2569 Sandy Dune Dr Rental

The listed rent isn't the whole number. Here's what 2569 Sandy Dune Dr Rental actually costs each month once you add required fees and insurance.

Total Monthly Cost $2,475
Base Rent $2,195
Required Monthly Fees $265
Est. Renters Insurance $15/mo

Renters Insurance at 2569 Sandy Dune Dr Rental

What Affects Your Premium Here

Every building is different. These factors specific to 2569 Sandy Dune Dr 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

FBI UCR

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

What You'll Likely Pay

$15

Est. Monthly

$178

Est. Annual

$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 2569 Sandy Dune Dr Rental based on the rent level and building features.

Personal Property

What your stuff is worth

$40,000 recommended

If you own less

$25,000

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 2569 Sandy Dune Dr Rental:

Carrier Monthly Annual
Lemonade $8/mo $102/yr
USAA $10/mo $114/yr
State Farm $13/mo $152/yr
Progressive $14/mo $165/yr
Safeco $14/mo $165/yr
Travelers $15/mo $178/yr
Allstate $16/mo $190/yr
Nationwide $16/mo $190/yr
Farmers $17/mo $203/yr
Liberty Mutual $19/mo $228/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 $15/mo

4 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.

Jacksonville property crime rate

2,168

per 100K residents

37% above U.S. avg

U.S. avg is 1,578 per 100K

Breakdown per 100K residents

Burglary
255 / 200
Larceny / theft
1,708 / 1,172
Vehicle theft
204 / 206

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. 2569 Sandy Dune Dr Rental also has on-site security features (Covered parking) that insurers recognize with discounts.

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

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 2569 Sandy Dune Dr 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 2569 Sandy Dune Dr 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.

$40 / mo

Internet & Media

Charged per unit.

$85 / mo

Utility Billing Service Fee

Charged per unit.

$9.95 / mo

Air Filter Delivery Fee

Charged per unit.

$9.95 / mo

What's Within Reach

Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around 2569 Sandy Dune Dr Rental.

Grocery

  • The Fresh Market 4.5
  • Publix Super Market at Seminole Shoppes 4.6
  • US Navy Commissary 4.4

Pharmacy

  • Walgreens Pharmacy 3.6
  • CVS Pharmacy 4.2
  • Medtown PHARMACY 4.9

Hospital

  • HCA Florida Atlantic Emergency 3.6
  • HCA Florida Memorial Hospital Emergency Room 3.9
  • Mayo Clinic Emergency Room 3.0

Gym

  • Crunch Fitness - Harbour Village 4.3
  • Florida Extreme Fitness Center 4.7
  • The Gym Jax 4.5

Restaurant

  • The Hangar Bay Café and Gallery 4.7
  • Olympia Cafe 4.5
  • The Toasted Yolk Cafe 4.9

Park

  • Kathryn Abbey Hanna Park 4.7
  • South Beach Park and Sunshine Playground 4.8
  • Little Talbot Island State Park 4.7

Bank

  • Ameris Bank 4.8
  • Ameris Bank 4.7
  • Ameris Bank 4.8

Gas

  • Circle K | Gas Station 1.0
  • RaceTrac 3.2
  • Circle K 3.6

Pet Policy

Bringing a pet? Here's what 2569 Sandy Dune Dr 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 2569 Sandy Dune Dr Rental

Phone: (888) 990-4684

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 $2339.90. That covers your base rent, $2195.00 + our required services designed to make your life easier: Air Filter Delivery Fee ($9.95), Internet & Media ($85), Smart Home with video doorbell ($40), and Utility Billing Service Fee ($9.95). Base rent varies based on selected lease term.

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.

33 East Apartments

North Beach

$1,262 - $1,835 Ins: ~$16/mo

Heron Pointe Apartments

North Beach

$1,165 - $1,388 Ins: ~$16/mo

Mallard Cove Apartments

North Beach

$1,200 - $1,500 Ins: ~$16/mo

Ocean Blue Apartments

North Beach

$1,529 - $2,430 Ins: ~$14/mo

Otter Run Apartments

North Beach

$1,200 - $1,700 Ins: ~$16/mo

Surf Apartments

North Beach

$1,246 - $1,905 Ins: ~$16/mo

Frequently Asked Questions

Does 2569 Sandy Dune Dr Rental require renters insurance?
We didn't find a public insurance requirement for 2569 Sandy Dune 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 2569 Sandy Dune Dr Rental?
For this zip code and building type, expect to pay around $15/month ($178/year). For context, the statewide average is $16/month, so this building is right around average.
What will I actually pay per month at 2569 Sandy Dune Dr Rental?
Plan for about $2,475/month all-in. That's base rent (From $2,195), plus $265/month in required fees (trash, utilities, etc.), plus roughly $15/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does 2569 Sandy Dune Dr Rental allow pets?
Yes, 2569 Sandy Dune Dr 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 2569 Sandy Dune Dr Rental?
Property crime in Jacksonville runs noticeably higher than the national average — 2,168 incidents per 100,000 residents versus the U.S. average of 1,578. 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 covered parking — features that can qualify for premium discounts.
What parking is available at 2569 Sandy Dune 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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