Renters Insurance at BluWater Apartments
We found a few insurance details on the BluWater Apartments 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 BluWater Apartments can push your insurance cost up or down:
Gated Community
Gated access reduces theft risk — may qualify for security discount
Dog-Friendly
Dogs allowed — consider higher liability coverage
FEMA Flood Zone
Zone X — minimal flood risk
What You'll Likely Pay
$15
Est. Monthly
$178
Est. Annual
$14
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 BluWater Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$20,000
If you own more
$50,000
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 BluWater Apartments:
| 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
5 discounts may apply here. Real quotes show your actual price — estimates can't.
Safety
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.
What residents talk about most
Maintenance
Mixed feedback in reviews
Management
Consistently positive in reviews
“Together, this exceptional team goes above and beyond, delivering the highest level of professional service and making our community a truly wonderful place to call home.” — Google reviewer
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.
711 Beach Blvd, Jacksonville Beach, FL 32250
Jacksonville Beach
Monthly Cost Breakdown at BluWater Apartments
The listed rent isn't the whole number. Here's what BluWater Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at BluWater Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Parking Fees
Parking Fee
Max of 1. Charged per vehicle.
What's Within Reach
Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around BluWater Apartments.
Grocery
- Whole Foods Market 4.5
- Publix Super Market at Middle Beach Commons 4.5
- Trader Joe's 4.7
Pharmacy
- North Beaches Pharmacy 4.4
- Walgreens Pharmacy 3.6
- Walgreens 3.0
Gym
- Chuze Fitness 4.2
- CrossFit Jacksonville Beach - Hybrid Training Gym, Hyrox and Fitness 5.0
- Drive Fitness Jax, LLC 5.0
Restaurant
- European Street Cafe 4.5
- Talkin’ Tacos Jacksonville Beach 4.8
- Bella Vista A Mare - Jacksonville Beach 4.8
Bank
- Ameris Bank 4.9
- Bank of America (with Drive-thru ATM) 2.9
- Ameris Bank 4.8
Gas
- Circle K | Gas Station 4.0
- bp 3.4
- Circle K 2.5
Pet Policy
Bringing a pet? Here's what BluWater 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.
About BluWater Apartments
From the property listing:
BluWater Apartments on Beach Boulevard is Jacksonville Beachs newest luxury apartment community located only seven blocks from the Atlantic Ocean. Our amenities include a swimming pool, sky lounge, fitness center, parcel lockers, billiards room, bark park, paw spa, and covered parking. Our one, two, and three bedroom apartment homes feature granite countertops, tile backsplash, upgraded lighting and plumbing fixtures throughout. Enjoy easy access to all that Jacksonville Beach has to offer walk to the beach, grocery, restaurants, entertainments, and retailers. Life is better at BluWater.
Frequently Asked Questions
Does BluWater Apartments require renters insurance?
How much is renters insurance at BluWater Apartments?
What will I actually pay per month at BluWater Apartments?
Does BluWater Apartments allow pets?
What floor plans does BluWater Apartments offer?
Is SafeButler affiliated with BluWater Apartments?
What is SafeButler and how does it work for BluWater Apartments renters?
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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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