Atwater at Nocatee Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Atwater at Nocatee Apartments in Nocatee? Rent here runs Call for Rent, 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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50 Pine Shadow Pky, Ponte Vedra, FL 32081

Nocatee

Managed by Livingston Street Capital Built 2020 3 stories 175 units
4.1/5 ·94 reviews Google
5/5 ·17 reviews Apt. Finder
Call for Rent /month

Monthly Cost Breakdown at Atwater at Nocatee Apartments

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

Total Monthly Cost $814
Base Rent $800
Est. Renters Insurance $14/mo

Renters Insurance at Atwater at Nocatee Apartments

What Affects Your Premium Here

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

Open Access

No gated or controlled access — higher theft exposure

FEMA Flood Zone

Zone X — minimal flood risk

What You'll Likely Pay

$14

Est. Monthly

$172

Est. Annual

$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 Atwater at Nocatee Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$30,000 recommended

If you own less

$15,000

If you own more

$50,000

Liability

Covers accidental harm & lawsuits

$300,000 recommended

Pool on premises — higher liability recommended for accidents at shared amenities

How Carriers Compare for This Area

Not all carriers price the same zip code equally. Here's how the major options stack up near Atwater at Nocatee 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

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

Next Step

See if you can beat $14/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 Ponte Vedra.

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.

Noise Common topic
Maintenance Issues Mentioned

Flood Risk

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

Required Fees

Application Fee Per Applicant

Charged per applicant.

$90

Administrative Fee

Charged per unit.

$175

Amenities

Community Features

Fitness Center Pool Walking/Biking Trails

What's Within Reach

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

Grocery

  • Whole Foods Market 4.4
  • Publix Super Market at Marketplace at Nocatee 4.5
  • Publix Super Market at Nocatee Town Center 4.5

Pharmacy

  • Publix Pharmacy at Marketplace at Nocatee
  • CVS Pharmacy 4.3
  • Publix Pharmacy at Nocatee Town Center 3.0

Hospital

  • CareSpot Urgent Care at Nocatee 4.4
  • Urgent Care Cure at Ponte Vedra 4.8
  • Baptist Primary Care - Baptist Healthplace at Nocatee 4.3

Gym

  • Orangetheory Fitness 4.9
  • YMCA at Nocatee 4.2
  • TitanUp Fitness Nocatee 5.0

Restaurant

  • Gyro 365 4.7
  • Chophouse at Nocatee 4.6
  • Catullo's Italian Nocatee 4.6

Park

  • Nocatee Community Park (Public) 4.6
  • West End Park 4.8
  • Nocatee Splash Waterpark (Private) 4.7

Bank

  • Truist 4.5
  • Wells Fargo Bank 3.5
  • Chase Bank 3.2

Gas

  • Gate Gas Station 3.7
  • Circle K | Gas Station 4.4
  • Shell 4.1

About Atwater at Nocatee Apartments

Atwater at Nocatee offers modern apartment living in the heart of one of Northeast Floridas most sought-after master-planned communities. Located near Ponte Vedra and St. Augustine, our community features spacious one-, two-, and three-bedroom apartment homes with contemporary finishes and open layouts designed for comfortable living. Residents enjoy resort-style amenities including a swimming pool, fitness center, and inviting community spaces. Just minutes from Nocatee Town Center, beaches, shopping, dining, parks, and scenic trails, Atwater provides convenient access to everything the area has to offer. Discover a vibrant lifestyle and welcoming community at Atwater at Nocatee.

Year Built: 2020
Stories: 3
Total Units: 175
Management: Livingston Street Capital
Phone: (904) 822-3585

Other Options Nearby

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

Frequently Asked Questions

Does Atwater at Nocatee Apartments require renters insurance?
We didn't find a public insurance requirement for Atwater at Nocatee 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 Atwater at Nocatee Apartments?
For this zip code and building type, expect to pay around $14/month ($172/year). For context, the statewide average is $16/month, so this building is below average.
What will I actually pay per month at Atwater at Nocatee Apartments?
Plan for $814 to $814/month all-in. That's base rent (Call for Rent), plus roughly $14/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
What floor plans does Atwater at Nocatee Apartments offer?
There are 15 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from Call for Rent. 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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