Houston Street Manor Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Houston Street Manor Apartments in Downtown Jacksonville? Rent here runs $1,053 - $1,266, and renters insurance adds about $17/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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139 Jefferson St N, Jacksonville, FL 32202

Downtown Jacksonville

Built 2019 7 stories 72 units
4.8/5 ·11 reviews Google
5/5 ·1 review Apt. Finder
$1,053 - $1,266 /month

Monthly Cost Breakdown at Houston Street Manor Apartments

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

Total Monthly Cost $1,070 – $1,283
Base Rent $1,053 – $1,266
Required Monthly Fees $0
Est. Renters Insurance $17/mo

Renters Insurance at Houston Street Manor Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Houston Street Manor Apartments can push your insurance cost up or down:

Open Access

No gated or controlled access — higher theft exposure

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

$17

Est. Monthly

$204

Est. Annual

$17

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 Houston Street Manor Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$30,000 recommended

If you own less

$15,000

If you own more

$50,000

Liability

Covers accidental harm & lawsuits

$300,000 recommended

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 Houston Street Manor Apartments:

Carrier Monthly Annual
Lemonade $11/mo $134/yr
USAA $13/mo $150/yr
State Farm $17/mo $200/yr
Progressive $18/mo $217/yr
Safeco $18/mo $217/yr
Travelers $19/mo $234/yr
Allstate $21/mo $250/yr
Nationwide $21/mo $250/yr
Farmers $22/mo $267/yr
Liberty Mutual $25/mo $301/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 $17/mo

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

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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.

2,168 per 100K residents

Property crime rate in Jacksonville

37% above national average (1,578/100K)

Breakdown per 100K residents

Burglary255 (nat. 200)
Larceny / theft1,708 (nat. 1,172)
Vehicle theft204 (nat. 206)

Higher-than-average property crime is why insurance carriers charge more in this zip code — your premium reflects the claims frequency for the area. Houston Street Manor 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.

Maintenance Issues Mentioned
Safety Concerns Mentioned

On-Site Security

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 Houston Street Manor 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 Houston Street Manor Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Pets Fees

Dog Fee

Charged per pet.

$300

Cat Fee

Charged per pet.

$300

Amenities

Special Features

Large Closets Energy Star Rated Appliances Activity Rooms Carpeting Efficient Appliances Off Street Parking BBQ/Picnic Area Fully Furnished Designer Kitchens In-Door Trash Disposal Ceiling Fan In-Door Mail Center Air Conditioner Emergency Call Systems Resident Assurance Check-In Systems Tile Bathroom Floors Wheelchair Access

Community Features

Laundry Facilities Maintenance on site 24 Hour Access Furnished Units Available Public Transportation Elevator Business Center Clubhouse Sundeck Courtyard Grill Picnic Area Fitness Center

Floor Plan Amenities

Air Conditioning Ceiling Fans Cable Ready Handrails Dishwasher Disposal Kitchen Microwave Refrigerator Hardwood Floors Carpet Recreation Room Furnished Deck

What's Within Reach

Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around Houston Street Manor Apartments.

Grocery

  • The Fresh Market 4.5
  • Publix Super Market at Riverside 4.5
  • Shop & Save 4.6

Pharmacy

  • Capsule 4.5
  • Walgreens Specialty Pharmacy 3.2
  • Walgreens Specialty Pharmacy 4.8

Hospital

  • Ascension St. Vincent's Emergency Care - Riverside 4.0
  • HCA Florida Memorial Hospital Emergency Room 3.9
  • Baptist Jacksonville Emergency Room (ER) 2.4

Gym

  • Snap Fitness Jacksonville 4.7
  • River View Fitness Center 5.0
  • Anytime Fitness 4.9

Restaurant

  • Dorothy's Downtown 4.2
  • Starving Like Marvin 4.6
  • The District SPR 4.5

Park

  • City of Jacksonville- Parks, Recreation, And Community Services 2.9
  • Riverside Park 4.5
  • Memorial Park 4.7

Bank

  • Bank of America ATM 1.0
  • Regions Bank 3.3
  • Regions Bank 3.7

Gas

  • Shell 3.2
  • GATE Gas Station 4.2
  • GATE Gas Station 3.3

Pet Policy

Bringing a pet? Here's what Houston Street Manor 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 and Dogs Allowed

  • $300 Fee
  • 65 lb Weight Limit
  • 2 Pet Limit

About Houston Street Manor Apartments

Experience comfort, compassionate care, and exceptional services at Houston Street Manoran inviting senior living community in Jacksonville, FL, designed for adults aged 62 and older. Redefining quality living, we offer elegant surroundings, appealing amenities, and a welcoming atmosphere that makes your golden years truly rewarding.At Houston Street Manor, independence and privacy are central to our care philosophy. Enjoy perks like a rooftop deck, activity rooms, and a stylish clubhouse. Spend time in the outdoor grilling area, stay connected in the cyber cafe, or relax in our pet-friendly courtyards.Choose from one- and two-bedroom apartments with hardwood floors, fully furnished kitchens, and tiled bathrooms. With quick access to I-95 and nearby attractions like Regency Square Mall, our location supports an active lifestyle.Call today to discover your new home at Houston Street Manorwhere senior living begins at 62.

Year Built: 2019
Stories: 7
Total Units: 72
Phone: (904) 664-1386

Other Options Nearby

Still weighing your choices? These communities are in the same part of Jacksonville — compare rent and estimated insurance cost side by side.

Frequently Asked Questions

Does Houston Street Manor Apartments require renters insurance?
We didn't find a public insurance requirement for Houston Street Manor 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 Houston Street Manor Apartments?
For this zip code and building type, expect to pay around $17/month ($204/year). For context, the statewide average is $16/month, so this building is right around average.
What will I actually pay per month at Houston Street Manor Apartments?
Plan for $1,070 to $1,283/month all-in. That's base rent ($1,053 - $1,266), plus roughly $17/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Houston Street Manor Apartments allow pets?
Yes, Houston Street Manor Apartments is pet-friendly. Here are the details: Cats and Dogs Allowed. $300 Fee. 65 lb Weight Limit. 2 Pet Limit. 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 Houston Street Manor Apartments?
Property crime in Jacksonville runs noticeably higher than the national average — 2168 incidents per 100,000 residents versus the U.S. average of 1578. That's the metric insurance carriers care about most for renters coverage, since property crime (theft, burglary, vehicle break-ins) drives most claims. Burglary specifically is 255/100K here. On the property itself, you'll find property manager on site — features that can qualify for premium discounts.
What floor plans does Houston Street Manor Apartments offer?
There are 16 floor plans to choose from, spanning 1-bedroom, 2-bedroom layouts. Rent ranges from $1,053 - $1,266. 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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