Renters Insurance at Grove at Deerwood Apartments
We found a few insurance details on the Grove at Deerwood 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 Grove at Deerwood Apartments can push your insurance cost up or down:
Older Building
Built in 1983 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 2168/100K (37% above national average)
What You'll Likely Pay
$16
Est. Monthly
$187
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 Grove at Deerwood Apartments 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
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 Grove at Deerwood 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 $16/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. Grove at Deerwood Apartments also has on-site security features (Property manager on site) 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
This address is in one of FEMA's lower flood-risk classifications. Standard renters policies don't cover flood damage anywhere, but in low-risk zones the cost of a separate NFIP policy generally isn't justified by the expected loss. The detail is below mostly for completeness.
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
Earthquakes happen rarely enough at this location that an earthquake-specific endorsement isn't a meaningful insurance decision. A baseline renters policy still covers the claims you'd actually file. The USGS-level detail is included below mostly for thoroughness.
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
This is the part of the natural-hazard picture where renters insurance actually pays out. NOAA records around 27 severe-weather events a year in Duval County. Damage to personal property from wind, hail, and storms is covered by a baseline policy — the historical record below is more about understanding what your policy will actually be used for than identifying a coverage gap.
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.
8231 Princeton Sq, Jacksonville, FL 32256
Southside
Monthly Cost Breakdown at Grove at Deerwood Apartments
The listed rent isn't the whole number. Here's what Grove at Deerwood Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Grove at Deerwood Apartments. 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.
What's Within Reach
Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around Grove at Deerwood Apartments.
Grocery
- Walmart Neighborhood Market 4.2
- Rowe's Supermarket - Baymeadows 4.6
- Publix Super Market at Deerwood Village Shopping Center 4.4
Pharmacy
- Walmart Pharmacy 4.7
- Publix Pharmacy at Deerwood Village Shopping Center 5.0
- CVS Pharmacy 4.1
Hospital
- HCA Florida Memorial Hospital Emergency Room 3.9
- UF Health Emergency & Urgent Care Center - Baymeadows 4.4
- Baptist & Wolfson Town Center Emergency Room (ER) 3.0
Gym
- Orangetheory Fitness 4.7
- Chuze Fitness 4.1
- Brooks Family YMCA 4.5
Restaurant
- 4 Rivers Smokehouse 4.5
- Metro Diner 4.6
- Deerwood Bistro 4.7
Park
- Losco Regional Park 4.6
- Touchton Park 4.6
- Deerwood Rotary Childrens Park 4.4
Bank
- Bank of America (with Drive-thru ATM) 3.0
- Ameris Bank 4.8
- Wells Fargo Bank 3.3
Gas
- GATE Gas Station 4.2
- GATE Gas Station 3.1
- bp 4.1
About Grove at Deerwood Apartments
From the property listing:
Welcome to your new home in Jacksonville! Surrounded by lush landscaping, our community offers a variety of amenities designed for relaxation and recreation. Dive into one of our two resort-style pools, perfect for soaking up the sun. For pickleball lovers, we have lighted courts ready for your next match. Enjoy peaceful waterfront views from our large, stocked lake - a serene escape right in your own backyard. Our spacious apartments feature open floor plans, large kitchens, large closets, and private patios or balconies. Come see why our community is the perfect place to call 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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