Renters Insurance at AVIA Lofts on Liberty Ridge
We found a few insurance details on the AVIA Lofts on Liberty Ridge website. Your lease may have additional requirements — treat these as a starting point.
Lease Requirements
* 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 AVIA Lofts on Liberty Ridge can push your insurance cost up or down:
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: 2168/100K (37% above national average)
What You'll Likely Pay
$14
Est. Monthly
$163
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 AVIA Lofts on Liberty Ridge based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$15,000
If you own more
$40,000
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 AVIA Lofts on Liberty Ridge:
| 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
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 Jacksonville Sheriff's Office.
Jacksonville property crime rate
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
U.S. average
Higher-than-average property crime is why insurance carriers charge more in this zip code — your premium reflects the claims frequency for the area. AVIA Lofts on Liberty Ridge also has on-site security features (Package lockers) 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
Natural Hazards & Your Renters Coverage
The natural-hazard picture for renters at this address is straightforward: flood risk is low and earthquake shaking isn't a meaningful concern, but Duval County sees real severe-weather activity — NOAA tallies roughly 27 severe weather events a year. The good news is that's exactly the kind of damage a standard renters policy is designed to handle. The section below walks through the local weather record.
Flood damage
FEMA's flood-zone classification for this address is low-risk, which means the federal government doesn't expect significant flooding here under typical conditions. A standard renters policy still excludes flood damage, but a separate flood policy is hard to justify economically when the underlying risk is low. The zone label is below for the record.
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.
Earthquake shaking
USGS rates seismic activity here as low. A damaging earthquake is unlikely enough that most renters skip the earthquake endorsement entirely — your standard renters policy still covers the things you actually claim against (theft, fire, water damage from leaks, wind damage). The hazard data is below for completeness.
Low seismic hazard · ground motion 0.05g
Skipping the endorsement is a defensible choice at this hazard level. Theft, fire, lightning, and most water damage stay covered under your standard renters policy regardless.
Hazard data from USGS National Seismic Hazard Model. The ground-motion figure is the level USGS expects to be exceeded with about 2% probability over a 50-year horizon — the standard reference used in building codes.
Severe weather you'd actually claim for
NOAA's records put Duval County squarely in severe-weather territory: roughly 27 severe-weather events a year on average over the past five years. Unlike flood and earthquake, this is the kind of damage a standard renters policy is built for — wind, hail, lightning, and storm-driven water from a damaged roof are all covered. The historical breakdown is below.
Severe-weather damage to personal belongings is covered without an endorsement on every standard renters policy. The frequency above is part of why carrying the coverage matters here, not a reason to add anything extra.
Source: NOAA Storm Events Database, annual averages from the past five years for Duval County. Counts reflect reported events, not damage amounts.
Renters at this address generally don't need optional natural-hazard add-ons. The base policy already covers the realistic claim scenarios.
8365 Dix Ellis Trl, Jacksonville, FL 32256
Southside
Monthly Cost Breakdown at AVIA Lofts on Liberty Ridge
The listed rent isn't the whole number. Here's what AVIA Lofts on Liberty Ridge actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at AVIA Lofts on Liberty Ridge. 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.
Administrative Fee
Charged per unit.
Pets Fees
Dog Fee
Charged per pet.
Dog Rent
Charged per pet.
Cat Fee
Charged per pet.
Cat Rent
Charged per pet.
What's Within Reach
Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around AVIA Lofts on Liberty Ridge.
Grocery
- Whole Foods Market 4.4
- Walmart Neighborhood Market 4.2
- Rowe's Supermarket - Baymeadows 4.6
Pharmacy
- Publix Pharmacy at Deerwood Village Shopping Center 5.0
- CVS Pharmacy 4.1
- Walmart Pharmacy 4.7
Hospital
- Ascension St. Vincent's Emergency Care - Southside 4.2
- HCA Florida Memorial Hospital Emergency Room 3.9
- UF Health Emergency & Urgent Care Center - Baymeadows 4.4
Gym
- Orangetheory Fitness 4.7
- Brooks Family YMCA 4.5
- Chuze Fitness 4.1
Restaurant
- Desi Hangout 4.5
- AL SHAMI 4.7
- 4 Rivers Smokehouse 4.5
Park
- Fort Family Park 4.5
- Losco Regional Park 4.6
- Kathryn Abbey Hanna Park 4.7
Bank
- Bank of America (with Drive-thru ATM) 3.0
- Ameris Bank 4.8
- Ameris Bank 4.6
Gas
- GATE Gas Station 4.2
- GATE Gas Station 3.1
- Gulf Gas Station 4.6
Pet Policy
Bringing a pet? Here's what AVIA Lofts on Liberty Ridge 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.
About AVIA Lofts on Liberty Ridge
From the property listing:
Avia Lofts on Liberty Ridge Modern Living in Jacksonville ??Step into style at Avia Lofts on Liberty Ridge in Jacksonville, FL. Our loft-style studio, 1-, and 2-bedroom apartments feature open layouts, high ceilings, stainless steel appliances, quartz countertops, and in-home washer/dryer all designed for comfort and perks bring the fun and function: resort-style pool, 24/7 fitness center, coworking and lounge spaces, outdoor grilling areas, and pet-friendly amenities. Secure package lockers and ample parking make daily life effortless.
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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