2610 State Rd, Atlantic Beach, FL 32233
North Beach
Monthly Cost Breakdown at 33 East Apartments
The listed rent isn't the whole number. Here's what 33 East Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at 33 East Apartments
We found a few insurance details on 33 East Apartments's website. Your lease may have additional requirements — treat these as a starting point.
Lease Requirements
* An "interested party" is the property management company listed on your insurance policy. It doesn't give them any claim rights — it just means they get notified if your policy lapses, which is how the leasing office verifies you stay insured.
One thing to watch for: when you purchase your policy, most carriers have a field where you add the property as an interested party — skip that step and your proof may get rejected. It takes 30 seconds during checkout. Start a quote to see which carriers handle this automatically.
What Affects Your Premium Here
Every building is different. These factors specific to 33 East Apartments can push your insurance cost up or down:
Older Building
Built in 1986 — 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
Water/Leak Issues
4 mentions in Google reviews
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 1025/100K (35% below national average)
What You'll Likely Pay
$16
Est. Monthly
$187
Est. Annual
$14
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 33 East Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$15,000
If you own more
$40,000
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 33 East Apartments:
| 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
Next Step
See if you can beat $14/mo
6 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 Atlantic Beach.
Atlantic Beach property crime rate
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
U.S. average
Below-average property crime typically translates to lower renters insurance premiums in this area, and security features on the building can push your rate even lower. 33 East Apartments also has on-site security features (Controlled access, Property manager on site, Gated, On site maintenance) that insurers recognize with discounts.
Source: FBI UCR Program, Atlantic Beach (2024-12 to 2025-11)
What Residents Are Saying
Based on Google reviews, here are the issues residents mention most often — and the ones that matter when choosing your coverage. Longer bars indicate more frequent discussion.
On-Site Security
Flood Risk
Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for 33 East 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 33 East Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Application Fee Per Applicant
$30 fee for additional applicants Charged per applicant.
Administrative Fee
Charged per unit.
Amenities
Special Features
Community Features
Floor Plan Amenities
What's Within Reach
Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around 33 East Apartments.
Grocery
- The Fresh Market 4.5
- Mayport Food Store 4.2
- Whole Foods Market 4.5
Hospital
- HCA Florida Atlantic Emergency 3.6
- HCA Florida Memorial Hospital Emergency Room 3.9
- HCA Florida Memorial Hospital 4.1
Gym
- LA Fitness 4.1
- Planet Fitness 4.5
- Kokoro Health and Fitness 5.0
Restaurant
- AB Kitchen 4.7
- Salumeria 104 - Atlantic Beach 4.8
- Cantina Louie (Atlantic Beach, FL) 4.5
Park
- Jack Russell Park 4.7
- Johansen Park 4.7
- Donner Park Community Center 4.6
Bank
- Wells Fargo Bank 3.4
- Navy Federal Credit Union 3.9
- Wells Fargo ATM
Gas
- bp 3.3
- Mobil 4.3
- Circle K 3.1
Pet Policy
Bringing a pet? Here's what 33 East 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.
About 33 East Apartments
From the property listing:
Experience the relaxation and charm of coastal Florida living at 33 East. Our lakeside community is tucked away just off State Road A1A in sunny Atlantic Beach. A variety of fantastic dining, shopping, entertainment, and recreation options are at your fingertips. We're just minutes from Hanna Park, Mayport Naval Base, and some of Florida's best beaches. Let 33 East be your gateway to the all of the fun and excitement in Duval County. All Square Footage is Approximate.
Other Options Nearby
Still weighing your choices? These communities are in the same part of Atlantic Beach — compare rent and estimated insurance cost side by side.
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Mallard Cove Apartments
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Ocean Blue Apartments
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Otter Run Apartments
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Surf Apartments
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Frequently Asked Questions
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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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