Amelia at Deerwood Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Amelia at Deerwood Apartments in Southside? Rent here runs $1,278 - $2,378, 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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7740 Southside Blvd, Jacksonville, FL 32256

Southside

Managed by ZRS Management Built 1986 2 stories 176 units
3.7/5 ·100 reviews Google
4/5 Apt. Finder
$1,278 - $2,378 /month

Monthly Cost Breakdown at Amelia at Deerwood Apartments

The listed rent isn't the whole number. Here's what Amelia at Deerwood Apartments actually costs each month once you add required fees and insurance.

Total Monthly Cost $1,467 – $2,567
Base Rent $1,278 – $2,378
Required Monthly Fees $173
Est. Renters Insurance $16/mo

Renters Insurance at Amelia at Deerwood Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Amelia at Deerwood Apartments can push your insurance cost up or down:

Older Building

Built in 1986 — older plumbing/electrical may increase risk

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

$16

Est. Monthly

$187

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 Amelia at Deerwood Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$50,000 recommended

If you own less

$30,000

If you own more

$75,000

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 Amelia at Deerwood 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

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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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.

2,168 per 100K residents

Property crime rate in Jacksonville

37% above national average (1,578/100K)

Breakdown per 100K residents

Burglary255 (nat. 200)
Larceny / theft1,708 (nat. 1,172)
Vehicle theft204 (nat. 206)

Higher-than-average property crime is why insurance carriers charge more in this zip code — your premium reflects the claims frequency for the area. Amelia at Deerwood Apartments also has on-site security features (On site maintenance) 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.

Maintenance Issues Mentioned

On-Site Security

On site maintenance

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Amelia at Deerwood 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 Amelia at Deerwood Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Deposit Waiver Min

Approved Monthly Deposit Insurance Coverage Charged per unit

$22 / mo

Trash Reimb

Trash Reimb Charged per unit.

$25 / mo

PEST

Pest Charged per unit.

$5 / mo

Conservice Monthly Billing Fee

Conservice Monthly Billing Fee Charged per unit.

$5.25 / mo

Water/Sewer Reimb

Water/Sewer Reimb Charged per unit.

$50 / mo

Application Fee

Online Application Fee Charged per applicant.

$0.50

Pets Fees

Pet Fees Or Charges

Pet Fee - Dog Charged per pet.

$300

Pet Rent

Pet Rent - Dog Charged per pet.

$25 / mo

Addons Fees

Administrative Fees

Online Administrative Fee Charged per unit.

$0.50

AssetProtect

Insurance Policy Coverage Charged per unit.

$15 / mo

Deposit Waiver Max

Conditionally Approved Monthly Deposit Insurance Coverage Charged per unit.

$49 / mo

Credit Card Payment Processing Fee

Can Be Avoided By Using ECheck Payment Method. Charged per unit.

Varies one-time

Situational Fees

Conservice New Utility Account Set Up Fee

Conservice New Utility Account Set Up Fee Charged per unit.

$10

Late Fee

Late Fee Charged per unit.

$200

Month To Month Charges

Month to Month Charged per unit.

$250

Insurance Violation Fee

Insurance Compliance Charged per unit.

$40

Lease Violation Fee

Trash, Grills, and Patio Violations Charged per unit.

$50

Transfer Fee

Transfer Fee Charged per unit.

$500

NSF Fee

Insufficient Funds Charged per unit.

$75

Amenities

Special Features

Close To Shopping, Freeways, & Transportation On-site Maintenance Staff Public Parks Nearby ADA Accessible Beautiful Landscaping Guest Parking Two Shimmering Swimming Pools Online Rent Payment Available State-of-art Fitness Center Flexible Payment Options Professional Management

Community Features

Maintenance on site Clubhouse Fitness Center Pool Playground Basketball Court Tennis Court

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Air Conditioning Ceiling Fans Dishwasher Granite Countertops Stainless Steel Appliances Kitchen Oven Refrigerator Carpet Balcony Patio

What's Within Reach

Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around Amelia at Deerwood Apartments.

Grocery

  • Whole Foods Market 4.4
  • Rowe's Supermarket - Baymeadows 4.6
  • Publix Super Market at Deerwood Village Shopping Center 4.4

Hospital

  • Ascension St. Vincent's Emergency Care - Southside 4.2
  • UF Health Emergency & Urgent Care Center - Baymeadows 4.4
  • HCA Florida Memorial Hospital Emergency Room 3.9

Gym

  • Orangetheory Fitness 4.7
  • Chuze Fitness 4.1
  • Brooks Family YMCA 4.5

Restaurant

  • Deerwood Bistro 4.7
  • One Night Taco Stand 4.5
  • THE LOOP RESTAURANT 4.3

Park

  • Losco Regional Park 4.6
  • Jacksonville Drew Park 4.4
  • Park South at Deerwood 3.2

Bank

  • Bank of America ATM (Drive-thru) 3.2

Gas

  • GATE Gas Station 4.2
  • Circle K | Gas Station 1.8

Pet Policy

Bringing a pet? Here's what Amelia at Deerwood 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.

Cats and Dogs Allowed

About Amelia at Deerwood Apartments

Discover all that awaits at Amelia at Deerwood. Our apartments for rent in Jacksonville, FL will easily accommodate the needs of every resident. In each of our 1, 2, and 3 bedroom floor plans, residents will find fully-equipped kitchens with black or stainless steel appliances, large closets, screened-in patios, and more. Throughout our community, the 2 sparkling swimming pools, fitness center, and elegant clubhouse will offer residents the perfect place to spend their days. Whatever our residents are in search of, it can be found at our luxury apartments in Jacksonville, FL.

Year Built: 1986
Stories: 2
Total Units: 176
Management: ZRS Management
Phone: (904) 351-0492

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.

Frequently Asked Questions

Does Amelia at Deerwood Apartments require renters insurance?
We didn't find a public insurance requirement for Amelia at Deerwood Apartments, 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 Amelia at Deerwood Apartments?
For this zip code and building type, expect to pay around $16/month ($187/year). For context, the statewide average is $16/month, so this building is right around average.
What will I actually pay per month at Amelia at Deerwood Apartments?
Plan for $1,467 to $2,567/month all-in. That's base rent ($1,278 - $2,378), plus $173/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 Amelia at Deerwood Apartments allow pets?
Yes, Amelia at Deerwood Apartments 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 Amelia at Deerwood Apartments?
Property crime in Jacksonville runs noticeably higher than the national average — 2168 incidents per 100,000 residents versus the U.S. average of 1578. 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 on site maintenance — features that can qualify for premium discounts.
What floor plans does Amelia at Deerwood Apartments offer?
There are 3 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,278 - $2,378. Your unit size can affect your insurance cost too — a larger unit typically means more belongings to cover.

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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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