5230 S Gate Pky, Jacksonville, FL 32256
Southside
Monthly Cost Breakdown at Arelia James Island Apartments
The listed rent isn't the whole number. Here's what Arelia James Island Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Arelia James Island Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Arelia James Island Apartments can push your insurance cost up or down:
Gated Community
Gated access reduces theft risk — may qualify for security discount
Dog-Friendly
Dogs allowed — consider higher liability coverage
Pest Issues
5 mentions in Google reviews
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
$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 Arelia James Island 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 Arelia James Island 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
5 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.
Property crime rate in Jacksonville
37% above national average (1,578/100K)
Breakdown per 100K residents
Higher-than-average property crime is why insurance carriers charge more in this zip code — your premium reflects the claims frequency for the area. Arelia James Island Apartments also has on-site security features (Gated, Gated access) 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
Flood Risk
Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Arelia James Island 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 Arelia James Island Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Deposit Waiver Min
Deposit Waiver Min Charged per unit.
Technology Fee
Technology Fee Charged per unit.
Administrative Fees
Adminstrative Fees Charged per unit.
Application Fee
Online Application Fee Charged per applicant.
Pets Fees
Pet Fees Or Charges
Pet Fees Or Charges - Dog Charged per pet.
Pet Rent
Pet Rent - Dog Charged per pet.
Parking Fees
Garage - Parking
Garage - Parking Charged per vehicle.
Addons Fees
Deposit Max
Deposit Max Charged per unit.
Security Deposit
Security Deposit. 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 Arelia James Island Apartments.
Grocery
- Whole Foods Market 4.4
- Rowe's Supermarket - Baymeadows 4.6
- Sprouts Farmers Market 4.5
Pharmacy
- Florida Specialty Pharmacy at CSNF
- Ossi's Apothecary Old Baymeadows 4.7
- CVS Pharmacy 4.3
Hospital
- UF Health Emergency & Urgent Care Center - Baymeadows 4.4
- HCA Florida Memorial Hospital Emergency Room 3.9
- Ascension St. Vincent's Emergency Care - Southside 4.2
Gym
- Orangetheory Fitness 4.7
- Brooks Family YMCA 4.5
- Chuze Fitness 4.1
Restaurant
- Gyro 365 4.7
- Nomu Izakaya 4.8
- Midtown Table 4.5
Park
- Fort Family Park 4.5
- Losco Regional Park 4.6
- Jacksonville Drew Park 4.4
Bank
- Ameris Bank 4.8
- Seacoast Bank 3.9
- Ameris Bank 4.6
Gas
- GATE Gas Station 4.2
- Shell 4.0
- GATE Gas Station 2.9
Pet Policy
Bringing a pet? Here's what Arelia James Island 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 Arelia James Island Apartments
Nestled in Jacksonville's Southside, Arelia James Island is just minutes away from the St.Johns Town Center, the area's finest Jacksonville beaches, golf courses and country clubs. Arelia James Island includes 270 luxurious apartment homes and is the area's newest luxury living space! Upscale community amenities, including a resort-style clubhouse and swimming pool, complement the beautiful designer interiors of each residence. Arelia James Island offers convenient access to a number of major employment centers. We are located in the Twin Lakes Elementary, Twin Lakes Middle and Atlantic Coast High School district.
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.
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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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