Ascend Durbin Park Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Ascend Durbin Park Apartments in Saint Johns? Rent here runs $1,449 – $2,449, and renters insurance adds about $12/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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160 Bowling Green Way, Saint Johns, FL 32259

Saint Johns

Built 2024 4 stories 280 units
4.1/5 ·57 reviews Google
2 reviews Apt. Finder
$1,449 – $2,449 /month

Monthly Cost Breakdown at Ascend Durbin Park Apartments

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

Total Monthly Cost $1,461 – $2,461
Base Rent $1,449 – $2,449
Est. Renters Insurance $12/mo

Renters Insurance at Ascend Durbin Park Apartments

We found a few insurance details on Ascend Durbin Park Apartments's website. Your lease may have additional requirements — treat these as a starting point.

Lease Requirements

Interested party* Add property to policy
See how your options compare. Get a quote

* An "interested party" is the property management company listed on your insurance policy. It doesn't give them any claim rights — it just means they get notified if your policy lapses, which is how the leasing office verifies you stay insured.

One thing to watch for: when you purchase your policy, most carriers have a field where you add the property as an interested party — skip that step and your proof may get rejected. It takes 30 seconds during checkout. Start a quote to see which carriers handle this automatically.

What Affects Your Premium Here

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

Gated Community

Gated access reduces theft risk — may qualify for security discount

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

What You'll Likely Pay

$12

Est. Monthly

$139

Est. Annual

$11

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 Ascend Durbin Park Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$30,000 recommended

If you own less

$20,000

If you own more

$50,000

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 Ascend Durbin Park Apartments:

Carrier Monthly Annual
Lemonade $8/mo $91/yr
USAA $9/mo $102/yr
State Farm $11/mo $136/yr
Progressive $12/mo $148/yr
Safeco $12/mo $148/yr
Travelers $13/mo $159/yr
Allstate $14/mo $170/yr
Nationwide $14/mo $170/yr
Farmers $15/mo $182/yr
Liberty Mutual $17/mo $204/yr

Discounts You May Qualify For

Gated community
-5%
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 $11/mo

6 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 Saint Johns.

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
Slip/Fall Hazards Mentioned

On-Site Security

Package service Controlled access Property manager on site Gated Package lockers

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Ascend Durbin 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.

Fees Beyond Rent

These are the additional charges beyond base rent at Ascend Durbin Park Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Pets Fees

One-Time Pet Fee

Max of 2. Charged per pet.

$300

Monthly Pet Fee

Max of 2. Charged per pet.

$50 / mo

Amenities

Special Features

24-Hour Access Parcel Locker Air-Conditioning Attached and Detached Private Garages Bark Park with Small & Large Dog Sections Brand New Spacious Floor Plans Catering Kitchen Clubroom with Shuffle Board Controlled Access Gates Dog Spa w/ Grooming Tables Dual Vanities E/V Charging Stations Eco-Friendly Double Paned Windows Electronic Thermostats Entertainment Hub Expansive Park Space Extra Storage Fit/Flex Room Hardwood Style Flooring High Speed Internet In-Home Full-Size Washer and Dryer Large Coworking Area Large Undermount Kitchen Sink Large Windows Located in A+ School District of St. Johns County Modern Cabinetry Patio/Balcony Pet Friendly Play Zone Prep Islands & Pendant Light Professional Landscaping Resort-Style Swimming Pool Storage Throughout Property Tile Backsplash USB-Port Electrical Outlets Valet Trash and Recycling Wi-Fi throughout Clubhouse

Community Features

Community-Wide WiFi Maintenance on site 24 Hour Access Recycling Pet Play Area Pet Washing Station Car Charging Station Business Center Clubhouse Multi Use Room Sundeck Grill Fitness Center Pool Playground

Floor Plan Amenities

High Speed Internet Access Wi-Fi Washer/Dryer Air Conditioning Ceiling Fans Dishwasher Disposal Ice Maker Stainless Steel Appliances Island Kitchen Kitchen Microwave Oven Refrigerator Freezer Quartz Countertops Carpet Vinyl Flooring High Ceilings Walk-In Closets Balcony Patio

What's Within Reach

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

Grocery

  • Publix Super Market at Bartram Market 4.6
  • Walmart Supercenter 4.2
  • Publix Super Market at Shoppes at Beachwalk 4.7

Pharmacy

  • Publix Pharmacy at Bartram Market 3.3
  • Walmart Pharmacy 3.9
  • CVS Pharmacy 4.2

Hospital

  • Ascension St. Vincent's Emergency Care - St. Johns 4.6
  • Ascension St. Vincent's St. Johns County 4.7
  • HCA Florida Julington Creek Emergency 3.6

Gym

  • Orangetheory Fitness 4.5
  • Capstone Fitness 5.0
  • Training for Warriors Julington Creek - a gym for all fitness levels! 5.0

Restaurant

  • SoFresh Jacksonville - Durbin Park 4.6
  • Walk-On's Sports Bistreaux St. Johns, FL 4.6
  • Ember & Iron 4.5

Park

  • Ascend Durbin Park 4.0
  • Riverfront Park 4.8
  • Durbin Park 4.5

Bank

  • Chase Bank 3.2
  • Bank of America (with Drive-thru ATM) 2.7
  • Bank of America ATM (Drive-thru) 5.0

Gas

  • GATE Gas Station 4.2
  • Pilot Travel Center 4.0
  • Circle K 4.2

Pet Policy

Bringing a pet? Here's what Ascend Durbin 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
$50 Monthly Pet Rent
$300 Fee
100 lb Weight Limit
2 Pet Limit

About Ascend Durbin Park Apartments

Year Built: 2024
Stories: 4 stories
Units: 280
Phone: (904) 875-8387

From the property listing:

Set your sights on a brand-new apartment home at Ascend Durbin Park, an amenity-rich community in St. Johns, FL. We offer one, two, and three-bedroom apartment homes with modern interiors that set the scene for a luxurious lifestyle. Head inside and get ready to be blown away by features like hardwood-style flooring, eco-friendly paned windows, and light-filled living areas. All of this is complemented by a gourmet kitchen adorned with premium details like designer quartz countertops, expansive bedrooms with large closets, and spa-inspired bathrooms with soaking tubs.

Other Options Nearby

Still weighing your choices? Other communities in Saint Johns — compare rent and estimated insurance cost side by side.

Frequently Asked Questions

Does Ascend Durbin Park Apartments require renters insurance?
We found specific coverage details on Ascend Durbin Park Apartments's website — these likely reflect lease requirements, but confirm with the leasing office. 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 Ascend Durbin Park Apartments?
For this zip code and building type, expect to pay around $12/month ($139/year). Ascend Durbin Park Apartments has security features that qualify for discounts — with those applied, you could pay as little as $11/month. For context, the statewide average is $16/month, so this building is below average.
What will I actually pay per month at Ascend Durbin Park Apartments?
Plan for $1,461 to $2,461/month all-in. That's base rent ($1,449 – $2,449), plus roughly $12/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Ascend Durbin Park Apartments allow pets?
Yes, Ascend Durbin Park Apartments is pet-friendly. Here are the details: Cats and Dogs Allowed. $50 Monthly Pet Rent. $300 Fee. 100 lb Weight Limit. 2 Pet Limit. 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.
What floor plans does Ascend Durbin Park Apartments offer?
There are 10 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,449 – $2,449. 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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