10901 Burnt Mill Rd, Jacksonville, FL 32256
Heritage Deerwood
Monthly Cost Breakdown at Heritage Deerwood Apartments
The listed rent isn't the whole number. Here's what Heritage Deerwood Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Heritage Deerwood Apartments
We found a few insurance details on Heritage Deerwood Apartments's 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 Heritage Deerwood Apartments can push your insurance cost up or down:
Gated Community
Gated access reduces theft risk — may qualify for security discount
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
Dog-Friendly
Dogs allowed — consider higher liability coverage
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
$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 Heritage Deerwood 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 Heritage Deerwood 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
6 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.
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. Heritage Deerwood Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Gated, Covered parking) 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
Flood Risk
Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Heritage Deerwood 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 Heritage 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.
Amenities
Special Features
Community Features
Floor Plan Amenities
What's Within Reach
Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around Heritage Deerwood Apartments.
Grocery
- Rowe's Supermarket - Baymeadows 4.6
- Sprouts Farmers Market 4.5
- Publix Super Market at St. John's Town Center 4.6
Pharmacy
- Publix Pharmacy at Deerwood Village Shopping Center 5.0
- CVS Pharmacy 4.0
- Walmart Pharmacy 4.7
Hospital
- UF Health Emergency & Urgent Care Center - Baymeadows 4.4
- Baptist & Wolfson Town Center Emergency Room (ER) 3.0
- HCA Florida Memorial Hospital Emergency Room 3.9
Gym
- Chuze Fitness 4.1
- Brooks Family YMCA 4.5
- Chuze Fitness 4.0
Restaurant
- Midtown Table 4.5
- Nomu Izakaya 4.8
- JaxSpice St Johns Town Center 4.8
Park
- Fort Family Park 4.5
- Deerwood Rotary Childrens Park 4.4
- Losco Regional Park 4.6
Bank
- Valley Bank 3.1
- Bank of America (with Drive-thru ATM) 3.0
- Seacoast Bank 3.9
Gas
- Shell 4.0
- Racetrac 2.5
- GATE Gas Station 4.2
Pet Policy
Bringing a pet? Here's what Heritage Deerwood 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 Heritage Deerwood Apartments
From the property listing:
NEWLY RENOVATED! Heritage Deerwood features beautiful condominium/apartment homes for rent in Jacksonville Florida. It’s easy to fall in love with the craftsmanship and fine detailing of a home at Heritage. Our quality construction and interior design- from crown molding, wood mantel fire places, private ground floor entry, screened in lanais to direct access garages- provide an uncluttered backdrop for your personal style, whether you prefer contemporary, cottage or classic.
Other Options Nearby
Still weighing your choices? Other communities in Jacksonville — compare rent and estimated insurance cost side by side.
1001 Fields Rd Rental
North Side
10143 Meadow Point Dr Rental
West Side
10264 Lancashire Dr E Rental
North Side
10310 Briarcliff Rd E Rental
North Side
1035 Preakness Ct Rental
North Side
10495 McGirts Creek Dr Rental
West Side
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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