Barlow Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Barlow Apartments in Southside? Rent here runs $1,399 – $2,299, 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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1900 Olevia St, Jacksonville, FL 32207

Southside

Built 2021 4 stories 290 units
4.5/5 ·210 reviews Google
2 reviews Apt. Finder
$1,399 – $2,299 /month

Monthly Cost Breakdown at Barlow Apartments

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

Total Monthly Cost $1,413 – $2,313
Base Rent $1,399 – $2,299
Est. Renters Insurance $14/mo

Renters Insurance at Barlow Apartments

What Affects Your Premium Here

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

Gated Community

Gated access reduces theft risk — may qualify for security discount

Water/Leak Issues

3 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

$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 Barlow 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

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 Barlow 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

Gated community
-5%
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.

Jacksonville property crime rate

2,168

per 100K residents

37% above U.S. avg

U.S. avg is 1,578 per 100K

Breakdown per 100K residents

Burglary
255 / 200
Larceny / theft
1,708 / 1,172
Vehicle theft
204 / 206
Jacksonville 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. Barlow Apartments also has on-site security features (Gated) 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.

Water Damage Common topic
3×
Maintenance Issues Common topic
3×
Theft Mentioned
1×
Safety Concerns Mentioned
1×
Noise Mentioned
1×

On-Site Security

Gated

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Barlow 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 Barlow 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 3. Charged per pet.

$350

Monthly Pet Fee

Max of 3. Charged per pet.

$25 / mo

Amenities

Special Features

Keyless Door Entry Outdoor Grilling Stations Stainless Steel Energy Efficient Appliances High-Speed Gigabit Internet Available

Community Features

Clubhouse Fitness Center Pool

Floor Plan Amenities

Washer/Dryer Air Conditioning Refrigerator Balcony Patio

What's Within Reach

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

Grocery

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

Pharmacy

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

Hospital

  • HCA Florida Memorial Hospital Emergency Room 3.9
  • Baptist Jacksonville Emergency Room (ER) 2.4
  • Ascension St. Vincent's Emergency Care - Riverside 4.0

Gym

  • Orangetheory Fitness 4.3
  • Anytime Fitness 4.9
  • River View Fitness Center 5.0

Restaurant

  • The Bearded Pig 4.6
  • Maple Street Biscuit Company 4.6
  • Tepeyolot Cerveceria 4.6

Park

  • Southside Park Tennis 4.1

Bank

  • Regions Bank 3.3
  • Bank of America (with Drive-thru ATM) 2.9
  • Bank of America (with Drive-thru ATM) 3.3

Gas

  • Shell 4.0
  • Daily's and Daily's Dash 3.5
  • BP 3.6

Pet Policy

Bringing a pet? Here's what Barlow Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.

Cats Allowed

  • $25 Monthly Pet Rent
  • $350 Fee
  • 160 lb Weight Limit
  • 160 Pet Limit
  • 3 Pet Limit

About Barlow Apartments

Welcome to Barlow, where luxury living meets comfort in Jacksonville, FL. Our one, two, and three-bedroom apartments are designed to feel like home, with smart home technology, spacious balconies, and upscale finishes. Enjoy relaxing by the stunning pool, exploring outdoor spaces, or staying active in our fitness-friendly neighborhood. Located in the heart of San Marco, you'll love being steps from Jacksonville's best dining and entertainment. At Barlow, everything you need is right at your doorstep!

Year Built: 2021
Stories: 4
Total Units: 290
Phone: (904) 944-5035

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.

10717 Coleman Rd Rental

Southside

$2,375 Ins: ~$16/mo

11159 Wethersfield Ct Rental

Southside

$2,285 Ins: ~$16/mo

11774 Mountain Ash Rd E Rental

Southside

$2,325 Ins: ~$16/mo

11836 Lake Fern Dr Rental

Southside

$2,799 Ins: ~$16/mo

11989 Collins Creek Dr Rental

Southside

$2,549 Ins: ~$16/mo

12407 Hatton Chase Ln E Rental

Southside

$2,345 Ins: ~$16/mo

Frequently Asked Questions

Does Barlow Apartments require renters insurance?
We didn't find a public insurance requirement for Barlow 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 Barlow Apartments?
For this zip code and building type, expect to pay around $14/month ($163/year). Barlow 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 Barlow Apartments?
Plan for $1,413 to $2,313/month all-in. That's base rent ($1,399 – $2,299), 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 Barlow Apartments allow pets?
Yes, Barlow Apartments is pet-friendly. Here are the details: Cats Allowed. $25 Monthly Pet Rent. $350 Fee. 160 lb Weight Limit. 160 Pet Limit. 3 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.
How safe is the area around Barlow 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 gated — features that can qualify for premium discounts.
What floor plans does Barlow Apartments offer?
There are 9 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,399 – $2,299. 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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