Renters Insurance at Coral Palms at Oakleaf Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Coral Palms at Oakleaf 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
AreaVibes
Crime grade: B-
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 Coral Palms at Oakleaf Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$25,000
If you own more
$60,000
Liability
Covers accidental harm & lawsuits
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 Coral Palms at Oakleaf 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
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 Middleburg.
B-
Area Crime Grade
Detailed FBI property-crime data isn't available for Middleburg in the latest reporting cycle, so we're showing the AreaVibes neighborhood grade as a general signal.
Flood Risk
Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Coral Palms at Oakleaf 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.
3608 York Ln, Middleburg, FL 32068
Middleburg
Monthly Cost Breakdown at Coral Palms at Oakleaf Apartments
The listed rent isn't the whole number. Here's what Coral Palms at Oakleaf Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Coral Palms at Oakleaf Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Community Amenity Fee
Amount for community amenity use and services. Charged per unit.
Utility - Water/Sewer - Third Party
Usage-Based (Utilities).Amount for provision and consumptionof water/sewer paid to a third party. Charged per unit. Payable to 3rd Party
Utility - Electric - Third Party
Usage-Based (Utilities).Amount for provision and consumptionof electric paid to a third party. Charged per unit. Payable to 3rd Party
Renters Liability Insurance - Third Party
Amount for renters liability insurance obtained through resident's provider of choice. Charged per leaseholder. Payable to 3rd Party
Administrative Fee
Amount to facilitate move-in process for a resident. Chargedper unit.
Application Fee
Amount to process application, initiate screening, and take a rental home off the market. Charged per applicant.
Security Deposit (Refundable)
Amount intended to be held through residency that may be applied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit.
Pets Fees
Pet Fee
Rottweiler, doberman pinscher, pit bull terrier, staffordshire terrier, chow, presa canarias, akita, alaskan malamute, wolf hyrbid or any mix thereof.
Pet Rent
Max of 2. Monthly amount for authorized pet. Charged per pet
Pet Rent - Additional Pet
Max of 2. Monthly amount for additional authorized pet. Charged per pet.
Addons Fees
Renters Liability/Content - Property Program
Amount to participate in the property Renters Liability Program. Charged per unit.
Short Term Rental
Amount for rental home occupancy for a shorter lease term. May be subject to availability. Charged per unit.
Pet Mgmt - Additional Pet - Third Party
Amount for additional authorized pet registration and screening services. Charged per pet. Payable to 3rd Party
Pet Mgmt - First Pet - Third Party
Amount for first authorized pet registration and screening services. Charged per pet. Payable to 3rd Party
Situational Fees
Month-to-Month Fee
Amount, in addition to base rent, for a month-to-month leaseCharged per unit.
Intra-Community Transfer Fee
Amount due when transferring to another rental unit within community. Charged per unit.
Renters Liability Only - Non-Compliance
Amount for not maintaining required Renters Liability PolicyCharged per unit.
Late Fee
Amount for paying after rent due date; per terms of lease. Charged per unit.
Lease Violation
Amount for violation of community policies and/or per lease terms. Charged per unit.
Access Device - Replacement
Amount to obtain a replacement access device for community; fobs, keys, remotes, access passes. Charged per device.
Returned Payment Fee (NSF)
Amount for returned payment. Charged per unit.
Liquidated Damages
Amount for not satisfying the application and/or lease termsCharged per unit.
Early Lease Termination/Cancellation
Amount to terminate lease earlier than lease end date; excludes rent and other charges. Charged per unit.
Utility - Vacant Cost Recovery
Usage-Based (Utilities).Amount for utility usage not transferred to resident responsibility any time during occupancy. Charged per unit.
Legal/Eviction Fees
Amount for legal expenses incurred for lease violations. Charged per unit.
Security Deposit - Additional (Refundable)
Additional amount, based on screening results, intended to be held through residency that may be applied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit.
What's Within Reach
Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around Coral Palms at Oakleaf Apartments.
Grocery
- Walmart Supercenter 4.0
- Publix Super Market at OakLeaf Commons 4.6
- Walmart Neighborhood Market 4.3
Pharmacy
- MedPlus Pharmacy and Medical Supply 4.6
- Denning’s Pharmacy 4.6
- Stay Well Pharmacy 4.4
Hospital
- Ascension St. Vincent's Emergency Care - Clay 4.0
- HCA Florida Middleburg Emergency 4.3
- Ascension St. Vincent's Clay County 4.1
Gym
- Orangetheory Fitness 4.9
- Apex Fitness 5.0
- Stretch and Flex 4.9
Restaurant
- Birdies dinner and desserts 4.7
- Kelly's Country Kitchen 4.5
- Grumpy's Restaurant 4.7
Park
- Omega Park 4.4
- MSGT. John E. Hayes Memorial Park 4.3
- Black Creek Ravines Conservation Area 4.5
Bank
- VyStar Credit Union 4.8
- PNC Bank 3.0
- Wells Fargo Bank 3.1
Gas
- Circle K | Gas Station 4.0
- Circle K | Gas Station 4.1
- Circle K | Gas Station 4.0
Pet Policy
Bringing a pet? Here's what Coral Palms at Oakleaf Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Coral Palms at Oakleaf Apartments
From the property listing:
Discover Coral Palms at Oakleaf, a townhome rental community designed for space and comfort. These three-bedroom homes offer private yards, garages, smart home features, and stylish finishes. With resort-style amenities and a prime Oakleaf location near shopping, dining, and Clay County schools, Coral Palms makes renting feel like home.
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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