Renters Insurance at 3359 Columbus Ave Apartment
What Affects Your Premium Here
Every building is different. These factors specific to 3359 Columbus Ave Apartment can push your insurance cost up or down:
Open Access
No gated or controlled access — higher theft exposure
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 2168/100K (37% above national average)
What You'll Likely Pay
$19
Est. Monthly
$234
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 3359 Columbus Ave Apartment 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
Standard minimum for most lease requirements in Florida
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near 3359 Columbus Ave Apartment:
| 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
Next Step
See if you can beat $19/mo
4 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.
Source: FBI UCR Program, Jacksonville Sheriff's Office (2024-12 to 2025-11)
Natural Hazards & Your Renters Coverage
The natural-hazard picture for renters at this address is straightforward: flood risk is low and earthquake shaking isn't a meaningful concern, but Duval County sees real severe-weather activity — NOAA tallies roughly 27 severe weather events a year. The good news is that's exactly the kind of damage a standard renters policy is designed to handle. The section below walks through the local weather record.
Flood damage
This address is in one of FEMA's lower flood-risk classifications. Standard renters policies don't cover flood damage anywhere, but in low-risk zones the cost of a separate NFIP policy generally isn't justified by the expected loss. The detail is below mostly for completeness.
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
Earthquakes happen rarely enough at this location that an earthquake-specific endorsement isn't a meaningful insurance decision. A baseline renters policy still covers the claims you'd actually file. The USGS-level detail is included below mostly for thoroughness.
Low seismic hazard · ground motion 0.05g
Skipping the endorsement is a defensible choice at this hazard level. Theft, fire, lightning, and most water damage stay covered under your standard renters policy regardless.
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
This is the part of the natural-hazard picture where renters insurance actually pays out. NOAA records around 27 severe-weather events a year in Duval County. Damage to personal property from wind, hail, and storms is covered by a baseline policy — the historical record below is more about understanding what your policy will actually be used for than identifying a coverage gap.
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.
Renters at this address generally don't need optional natural-hazard add-ons. The base policy already covers the realistic claim scenarios.
3359 Columbus Ave, Jacksonville, FL 32254
Central Jacksonville
Monthly Cost Breakdown at 3359 Columbus Ave Apartment
The listed rent isn't the whole number. Here's what 3359 Columbus Ave Apartment actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at 3359 Columbus Ave Apartment. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Security Deposit - Refundable
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 3359 Columbus Ave Apartment.
Grocery
- Rowe's IGA Supermarket 4.4
- Save A Lot 4.0
- The Fresh Market 4.5
Pharmacy
- O'steens Pharmacy 4.2
- Capsule 4.5
- Walgreens Pharmacy 3.4
Hospital
- HCA Florida Memorial Hospital Emergency Room 3.9
- UF Health Emergency & Urgent Care Center - Lane Avenue 4.3
- HCA Florida Memorial Hospital 4.1
Gym
- Temple Builders Fitness 4.6
- Florida Extreme Fitness Center 4.7
- Trinity Fitness - Riverside 5.0
Restaurant
- Oasis Sandwiches 4.6
- Lunch Break 4.7
- sigies kitchen 4.4
Park
- Stinson Park 4.7
- Stockton Park 4.6
- Willowbranch Park 4.5
Bank
- Bank of America (with Drive-thru ATM) 3.0
- VyStar Credit Union 4.9
- VyStar Credit Union 4.9
Gas
- Exxon 3.9
- Shell 4.0
- Wawa 3.1
About 3359 Columbus Ave Apartment
From the property listing:
Property Id: 917891 Looking for a cozy and convenient one bedroom apartment that feels like home? This apartment features ample space for comfortable living. The open-concept living area is perfect for entertaining friends and family, with plenty of room for a comfortable seating area and living space. The bedroom is spacious and inviting, with plenty of natural light and a cozy atmosphere for a good night's sleep. The apartment also includes a modern kitchen. The bathroom is clean and well-maintained, recently reinvented with a shower/tub combo.
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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