Artea Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Artea Apartments in Downtown Jacksonville? Rent here runs $1,643 - $2,798, and renters insurance adds about $14/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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944 Broadcast Pl, Jacksonville, FL 32207

Downtown Jacksonville

Managed by ZRS Management Built 2024 4 stories 340 units
4.7/5 ·34 reviews Google
5/5 ·1 review Apt. Finder
$1,643 - $2,798 /month

Monthly Cost Breakdown at Artea Apartments

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

Total Monthly Cost $1,850 – $3,005
Base Rent $1,643 – $2,798
Required Monthly Fees $193
Est. Renters Insurance $14/mo

Renters Insurance at Artea Apartments

What Affects Your Premium Here

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

Controlled Access

Electronic/key fob entry — reduces unauthorized entry risk

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

$14

Est. Monthly

$163

Est. Annual

$13

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 Artea 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 Artea Apartments:

Carrier Monthly Annual
Lemonade $9/mo $107/yr
USAA $10/mo $120/yr
State Farm $13/mo $160/yr
Progressive $14/mo $174/yr
Safeco $14/mo $174/yr
Travelers $16/mo $187/yr
Allstate $17/mo $200/yr
Nationwide $17/mo $200/yr
Farmers $18/mo $214/yr
Liberty Mutual $20/mo $240/yr

Discounts You May Qualify For

Controlled access
-3%
Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $13/mo

5 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. Artea Apartments also has on-site security features (Controlled access, On site maintenance) that insurers recognize with discounts.

Source: FBI UCR Program, Jacksonville Sheriff's Office (2024-12 to 2025-11)

On-Site Security

Controlled access 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 Artea Apartments.

FEMA Zone X (0.2 Pct Annual Chance Flood Hazard In Coastal Zone) — 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 Artea Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Common Area Electric

Common Area Electric Charged per unit.

$10 / mo

Hospitality Fee

Hospitality Fee Charged per unit.

$125 / mo

Deposit Waiver Min

Deposit Waiver Min Charged per unit.

$22 / mo

Utility Admin Fee

Utility Admin Fee Charged per unit.

$6 / mo

Administrative Fees

Online Administrative Fee Charged per unit.

$150

Application Fee

Online Application Fee Charged per applicant.

$49

Utility New Account Fee

Utility New Account Fee Charged per unit.

$30

Pets Fees

Pet Fees Or Charges

Pet Fee - Dog Charged per pet.

$350

Parking Fees

Parking Fee

Parking Fee Charged per vehicle.

$0 / mo

Addons Fees

Pet DNA Registration (optional)

Pet DNA Registration (optional) Charged per unit.

$75

Vacant Cost Recovery

Vacant Cost Recovery Charged per unit.

$50 / mo

Deposit Waiver

Deposit Waiver. Charged per unit.

Varies / mo

RentPlus (optional)

RentPlus (optional). Charged per unit.

Varies / mo

Renters Insurance (optional)

Renters Insurance (optional). Charged per unit.

Varies / mo

Security Deposit

Security Deposit. Charged per unit.

Varies one-time

Situational Fees

Late Fee

Late Fee Charged per unit.

$150

Final Utility Billing Fee

Final Utility Billing Fee Charged per unit.

$20

Month To Month Charges

Month to Month Charged per unit.

$300

Key Fob

Key Fob Charged per unit.

$75

NSF Fee

NSF Fee Charged per unit.

$75

Legal Fees

Legal Fees description. Charged per unit.

Varies one-time

On-Site Transfer Fee

On-Site Transfer Fee. Charged per unit.

Varies one-time

Lease Violation

Lease Violation. Charged per unit.

Varies one-time

Amenities

Special Features

24 Hour Emergency Maintenance Service Negative Charge (1) Outdoor Lounge Outdoor Kitchen Controlled Access Buildings Entertainment Kitchen Grilling Area Yoga Studio Clubhouse with Gaming Tables

Community Features

Clubhouse Lounge Fitness Center

Floor Plan Amenities

Air Conditioning Heating Tub/Shower Dishwasher Kitchen Oven Refrigerator

What's Within Reach

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

Grocery

  • Whole Foods Market 4.4
  • Publix Super Market at Shoppes at East San Marco 4.6
  • The Fresh Market 4.5

Pharmacy

  • Walgreens 3.2
  • East Coast Compounding & Pharmacy 4.5
  • Publix Pharmacy at Shoppes at East San Marco 4.5

Hospital

  • HCA Florida Memorial Hospital Emergency Room 3.9
  • Baptist Jacksonville Emergency Room (ER) 2.4
  • Baptist Medical Center Jacksonville 4.3

Gym

  • Orangetheory Fitness 4.3
  • Anytime Fitness 4.9
  • Pure Barre 4.9

Restaurant

  • The Bearded Pig 4.6
  • Sofi's 4.7
  • bb's restaurant and bar 4.6

Park

  • Southside Park 4.3
  • Landon Park 4.8
  • City of Jacksonville- Parks, Recreation, And Community Services 2.9

Bank

  • Bank of America (with Drive-thru ATM) 3.0
  • TD Bank 3.5
  • Regions Bank 3.3

Gas

  • Shell 4.0
  • BP 3.6
  • RaceTrac 3.9

Pet Policy

Bringing a pet? Here's what Artea 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, Dogs, and Other Pets Allowed

About Artea Apartments

Discover your new apartment at Artea at Southbank. This community is located at 944 Broadcast Pl in Jacksonville. Let the professional leasing staff show you everything this community has to offer. Select from 1 to 3 bedroom floor plans. Contact us or stop by today.

Year Built: 2024
Stories: 4
Total Units: 340
Management: ZRS Management
Phone: (904) 849-6635

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 Artea Apartments require renters insurance?
We didn't find a public insurance requirement for Artea 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 Artea Apartments?
For this zip code and building type, expect to pay around $14/month ($163/year). Artea Apartments has security features that qualify for discounts — with those applied, you could pay as little as $13/month. For context, the statewide average is $16/month, so this building is below average.
What will I actually pay per month at Artea Apartments?
Plan for $1,850 to $3,005/month all-in. That's base rent ($1,643 - $2,798), plus $193/month in required fees (trash, utilities, etc.), plus roughly $14/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Artea Apartments allow pets?
Yes, Artea Apartments is pet-friendly. Here are the details: Cats, Dogs, and Other Pets 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 Artea 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 controlled access, on site maintenance — features that can qualify for premium discounts.
What floor plans does Artea Apartments offer?
There are 17 floor plans to choose from, spanning 1-bedroom, 2-bedroom layouts. Rent ranges from $1,643 - $2,798. 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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