Renters Insurance at 4711 San Jose Village Ct Apartment
What Affects Your Premium Here
Every building is different. These factors specific to 4711 San Jose Village Ct Apartment 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 4711 San Jose Village Ct 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
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 4711 San Jose Village Ct Apartment:
| 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 $15/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. 4711 San Jose Village Ct Apartment also has on-site security features (Perimeter fencing) that insurers recognize with discounts.
Source: FBI UCR Program, Jacksonville Sheriff's Office (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
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
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
USGS rates seismic activity here as low. A damaging earthquake is unlikely enough that most renters skip the earthquake endorsement entirely — your standard renters policy still covers the things you actually claim against (theft, fire, water damage from leaks, wind damage). The hazard data is below for completeness.
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
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.
Renters at this address generally don't need optional natural-hazard add-ons. The base policy already covers the realistic claim scenarios.
4711 San Jose Village Ct, Unit 4, Jacksonville, FL 32217
Southside
Monthly Cost Breakdown at 4711 San Jose Village Ct Apartment
The listed rent isn't the whole number. Here's what 4711 San Jose Village Ct Apartment actually costs each month once you add required fees and insurance.
What's Within Reach
Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around 4711 San Jose Village Ct Apartment.
Grocery
- Al Basha 4.5
- Whole Foods Market 4.4
- Freshfields Farm Jacksonville 4.7
Pharmacy
- A Plus Pharmacy 5.0
- Walgreens Pharmacy 3.3
- CVS Pharmacy 4.1
Hospital
- HCA Florida Memorial Hospital Emergency Room 3.9
- HCA Florida Mandarin Emergency 3.9
- HCA Florida Memorial Hospital 4.1
Gym
- Chuze Fitness 4.3
- Anytime Fitness 4.9
- Chuze Fitness 4.1
Restaurant
- LOS DOS CARNALES MEXICAN FOOD 4.7
- BB European Restaurant 4.7
- Casa De Monica Restaurant 4.6
Park
- Losco Regional Park 4.6
- Verona Park 4.4
- Crabtree Park 4.4
Bank
- Truist 2.8
- TD Bank 3.0
- Truist - ATM
Gas
- Exxon 4.3
- Gulf Gas Station 4.6
- Shell 4.3
Pet Policy
Bringing a pet? Here's what 4711 San Jose Village Ct Apartment 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 4711 San Jose Village Ct Apartment
From the property listing:
Schedule your tour today to see this inviting 2 bedroom, 1 bath apartment featuring a private fenced patio perfect for relaxing outdoors. Step inside to discover cool ceramic tile flooring flowing throughout the home. The kitchen provides ample storage with bright wooden cabinetry complemented by stone countertops. Just beyond the kitchen, the open living room offers a comfortable setting with sliding glass doors that lead directly to the patio. Ceiling fans in the living room and each bedroom assist in circulating the cool air for added comfort.
Frequently Asked Questions
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Disclaimer
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