Country Club Lakes Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 12, 2026

Thinking about renting at Country Club Lakes Apartments in Southside? Rent here runs $1,220 - $1,927, and renters insurance adds about $15/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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4090 Hodges Blvd, Jacksonville, FL 32224

Southside

Built 1997 2 stories 555 units
4.4/5 ·634 reviews Google
5/5 ·21 reviews
$1,220 - $1,927 /month

Monthly Cost Breakdown at Country Club Lakes Apartments

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

Total Monthly Cost $1,458 – $2,165
Base Rent $1,220 – $1,927
Required Monthly Fees $223
Est. Renters Insurance $15/mo

Renters Insurance at Country Club Lakes Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Country Club Lakes 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: C

NeighborhoodScout

Safer than only 6% of US cities

What You'll Likely Pay

$15

Est. Monthly

$176

Est. Annual

$15

With Discounts/mo

$14

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 Country Club Lakes Apartments based on the rent level and building features.

Personal Property Coverage

$40,000 recommended
Low: $20,000 High: $60,000

Liability Coverage

$300,000 $300,000

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 Country Club Lakes Apartments:

Carrier Monthly Annual
Lemonade $8/mo $96/yr
USAA $9/mo $108/yr
State Farm $12/mo $144/yr
Progressive $13/mo $156/yr
Safeco $13/mo $156/yr
Travelers $14/mo $168/yr
Allstate $15/mo $180/yr
Nationwide $15/mo $180/yr
Farmers $16/mo $192/yr
Liberty Mutual $18/mo $216/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 $15/mo

4 discounts may apply here. Real quotes show your actual price — estimates can't.

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Safety & Security

The neighborhood around your apartment directly affects your renters insurance rate — carriers charge more in higher-crime zip codes and less where theft and property damage are rare. Here's what the data says about the area around Country Club Lakes Apartments.

C

Area Crime Grade

6%

Jacksonville overall is safer than only 6% of U.S. cities

This reflects Jacksonville as a whole — your specific zip code may score differently. Carriers use zip-level data when pricing your policy. The good news: Country Club Lakes Apartments has on-site security features (Package service, Property manager on site) that insurers recognize with premium discounts.

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.

Maintenance Issues Common topic

On-Site Security

Package service Property manager on site

Flood Risk

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

Required Fees

Utility - Trash

Charged per unit.

$37 / mo

Pest Control Fee

Charged per unit.

$4 / mo

Internet

Charged per unit.

$71 / mo

Utility - Electric

Charged per unit.

Varies / mo

Utility - Water/Sewer

Charged per unit.

Varies / mo

Administration Fee

Charged per unit.

$200

Application Fee Per Applicant

Charged per applicant.

$75

Application Fee

Charged per applicant.

$75

Administrative Fee

Charged per unit.

$200

Security Deposit

Charged per unit.

Varies one-time

Pets Fees

Dog Fee

Charged per pet.

$350

Dog Rent

Charged per pet.

$20 / mo

Cat Fee

Charged per pet.

$350

Cat Rent

Charged per pet.

$20 / mo

Parking Fees

Garage Parking

Charged per vehicle.

$100 / mo

Parking - Reserved

Charged per vehicle.

$25 / mo

Boat Parking

Charged per vehicle.

$80 / mo

Other

Addons Fees

Washer/Dryer Fee

Charged per unit.

$50 / mo

Situational Fees

Master Insurance Fees

Charged per unit.

$18 / mo

Pet Screening Fee

Charged per unit.

$25 / yr

Renters Insurance

Charged per unit.

Varies / mo

Amenities

Special Features

Boat Parking Breakfast Bar Ceiling Fan Community Kitchen Extremely Cold AC Microwave* Outdoor Kitchen Outdoor Resident Lounge Pet Wash Picnic Areas Screened-In Patio/Balcony Stainless Steel Appliances* Vinyl Plank Flooring* Walking Trails Washer/Dryer* Yoga Room

Community Features

Laundry Facilities Maintenance on site 24 Hour Access Pet Washing Station Business Center Clubhouse Lounge Picnic Area Fitness Center Pool Playground Walking/Biking Trails

Floor Plan Amenities

Washer/Dryer Air Conditioning Ceiling Fans Smoke Free Dishwasher Disposal Stainless Steel Appliances Kitchen Microwave Walk-In Closets Balcony Patio

What's Within Reach

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

Grocery

  • ZENSHI Handcrafted Sushi 3.0
  • Western Union
  • Amerigas Propane Exchange

Pharmacy

  • Walgreens Photo 4.3
  • Walgreens Pharmacy 4.0
  • Publix Pharmacy at Windsor Commons Shopping Center 4.3

Hospital

  • Mayo Clinic Emergency Room 3.0
  • HCA Florida Memorial Hospital Emergency Room 3.9

Gym

  • Orangetheory Fitness 4.9
  • The Lynx Gym 5.0
  • Orangetheory Fitness 4.9

Restaurant

  • Gyro 365 4.7
  • Volcano Japanese Cuisine 4.3
  • Tikiz of Jacksonville Beach 3.8

Park

  • Country Club Lakes 4.4
  • Jacksonville Beach Parks & Rec 4.7
  • Isle of Palms Park JAX 4.4

Bank

  • Bank of America (with Drive-thru ATM) 2.9
  • SouthState Bank 3.1

Gas

  • Shell 4.1
  • GATE Gas Station 4.2

Pet Policy

Bringing a pet? Here's what Country Club Lakes 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.

Cats Allowed

  • $20 Monthly Pet Rent
  • $350 Fee

About Country Club Lakes Apartments

Choose a home that elevates every moment. At Country Club Lakes, youll enjoy the perfect balance of comfort, style, and laid-back Florida living. Our Jacksonville apartments welcome you into a community where lush lake views, resort-inspired amenities, and thoughtful conveniences come together to create a daily experience that feels like coming home to your own private retreat, one designed to help you slow down, unwind, and truly enjoy where you see how beautiful life can be when comfort, convenience, and community come together at Country Club Lakes. Browse our photo gallery, schedule your personal tour, and discover why our Jacksonville apartments are the perfect place to call home.

Year Built: 1997
Stories: 2
Total Units: 555
Phone: (904) 914-3164

Other Options Nearby

Still weighing your choices? These communities are in the same part of Jacksonville — with their own insurance costs and safety profiles worth comparing.

Frequently Asked Questions

Does Country Club Lakes Apartments require renters insurance?
We didn't find a public insurance requirement for Country Club Lakes 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 Country Club Lakes Apartments?
For this zip code and building type, expect to pay around $15/month ($176/year). For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at Country Club Lakes Apartments?
Plan for $1,458 to $2,165/month all-in. That's base rent ($1,220 - $1,927), plus $223/month in required fees (trash, utilities, etc.), plus roughly $15/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Country Club Lakes Apartments allow pets?
Yes, Country Club Lakes Apartments is pet-friendly. Here are the details: Cats Allowed. $20 Monthly Pet Rent. $350 Fee. 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 Country Club Lakes Apartments?
The area has a C crime grade, which is worth factoring into your coverage decisions. That puts it safer than 6 of U.S. cities. On the property itself, you'll find package service, property manager on site — features that can also qualify you for insurance discounts.
What floor plans does Country Club Lakes Apartments offer?
There are 8 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,220 - $1,927. 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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