198 Arora Blvd, Orange Park, FL 32073
Orange Park
Monthly Cost Breakdown at Arbors at Orange Park Apartments
The listed rent isn't the whole number. Here's what Arbors at Orange Park Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Arbors at Orange Park Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Arbors at Orange Park Apartments can push your insurance cost up or down:
Older Building
Built in 1980 — 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: 541/100K (66% below 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 Arbors at Orange Park Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$20,000
If you own more
$60,000
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 Arbors at Orange Park 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 $16/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 Orange Park.
Property crime rate in Orange Park
-66% below national average (1,578/100K)
Breakdown per 100K residents
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. Arbors at Orange Park Apartments also has on-site security features (Property manager on site) that insurers recognize with discounts.
Source: FBI UCR Program, Orange Park (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 Arbors at Orange Park 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.
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 Arbors at Orange Park Apartments.
Grocery
- Publix Super Market at Pine Tree Plaza 4.5
- Asian Grocers 4.4
- Rowe's IGA Orange Park 4.4
Pharmacy
- Orange Park Pharmacy 4.4
- Walgreens Pharmacy 3.9
- Kingsley Pharmacy 2.3
Gym
- Crunch Fitness - Orange Park 4.0
- Planet Fitness 4.2
- LA Fitness 4.1
Restaurant
- Buccaneers Jamaican Street Jerk 4.7
- No Manches Wey 4.5
- DUNYA fresh halal food 4.7
Park
- Clarke House Park 4.6
- Arbors at Orange Park Apartments 4.2
- Gano Park 4.4
Bank
- Bank of America (with Drive-thru ATM) 2.7
- Truist 3.0
- Wells Fargo Bank 3.1
Gas
- GATE Gas Station 3.4
- Sunoco 4.5
- bp 3.5
Pet Policy
Bringing a pet? Here's what Arbors at Orange Park 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 Arbors at Orange Park Apartments
Live a life of luxury at Arbors at Orange Park. We offer one bedroom and two bedroom apartments for rent in Orange Park, FL with fully renovated interiors. Enjoy elegant details like 2 faux wood blinds, modern lighting fixtures, and wood-inspired flooring. Our fully-equipped kitchens include a premier stainless-steel appliance package. Not to mention, our spacious apartment homes have walk-in closets and private balconies or screened in patios. Residents have access to our on-site dog park, 24-hour fitness center, swimming pools, a BBQ grill and picnic area, and more! Situated in the well-established suburb of Orange Park, our apartments near Florida State College are located close to everything residents need for a superior luxury living experience. Our Orange Park apartments are nearby Orange Park Medical Center, Orange Park Mall, the Country Club of Orange Park, and St. Johns River. Come home to the best apartments in Orange Park, FL. Schedule a visit to Arbors at Orange Park today!
Other Options Nearby
Still weighing your choices? These communities are in the same part of Orange Park — compare rent and estimated insurance cost side by side.
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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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