Island Pointe Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Island Pointe Apartments in North Side? Rent here runs $1,094 – $1,254, and renters insurance adds about $18/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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1000 Island Point Dr, Jacksonville, FL 32218

North Side

Managed by Two Coast Living Built 1988 3 stories 288 units
4/5 ·308 reviews Google
4/5 ·26 reviews Apt. Finder
$1,094 – $1,254 /month

Monthly Cost Breakdown at Island Pointe Apartments

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

Total Monthly Cost $1,112 – $1,272
Base Rent $1,094 – $1,254
Est. Renters Insurance $18/mo

Renters Insurance at Island Pointe Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Island Pointe Apartments can push your insurance cost up or down:

Older Building

Built in 1988 — older plumbing/electrical may increase risk

Gated Community

Gated access reduces theft risk — may qualify for security discount

Controlled Access

Electronic/key fob entry — reduces unauthorized entry risk

FEMA Flood Zone

Zone AE — High-risk flood area with base flood elevation. Flood insurance strongly recommended.

FBI UCR

Property crime rate: 2168/100K (37% above national average)

What You'll Likely Pay

$18

Est. Monthly

$216

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 Island Pointe Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$25,000 recommended

If you own less

$15,000

If you own more

$40,000

Liability

Covers accidental harm & lawsuits

$300,000 recommended

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 Island Pointe Apartments:

Carrier Monthly Annual
Lemonade $10/mo $118/yr
USAA $11/mo $132/yr
State Farm $15/mo $176/yr
Progressive $16/mo $191/yr
Safeco $16/mo $191/yr
Travelers $17/mo $206/yr
Allstate $18/mo $220/yr
Nationwide $18/mo $220/yr
Farmers $20/mo $235/yr
Liberty Mutual $22/mo $264/yr

Discounts You May Qualify For

Gated community
-5%
Controlled access
-3%
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

6 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.

Jacksonville property crime rate

2,168

per 100K residents

37% above U.S. avg

U.S. avg is 1,578 per 100K

Breakdown per 100K residents

Burglary
255 / 200
Larceny / theft
1,708 / 1,172
Vehicle theft
204 / 206

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. Island Pointe Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Gated) 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
2×
Water Damage Mentioned
1×
Noise Mentioned
1×

On-Site Security

Package service Controlled access Property manager on site Gated

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Island Pointe Apartments.

FEMA Zone AE (Coastal Floodplain) — High-risk flood area with base flood elevation

Flood insurance strongly recommended — standard renters policies exclude flood damage.

What to know about flood insurance as a renter:

  • Your landlord's building policy does not cover your belongings
  • NFIP (National Flood Insurance Program) offers renters policies starting around $99/year
  • Private carriers (Neptune, Wright Flood) may offer lower rates
  • Most flood claims in this zone are for personal property, not structural damage

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 Island Pointe 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.

$75

Administrative Fee

Charged per unit.

$150

Pets Fees

One-Time Pet Fee

Max of 2. Charged per pet.

$300

Monthly Pet Fee

Max of 2. Charged per pet.

$15 / mo

Parking Fees

Parking Fee

Max of 1. Charged per vehicle.

$25 / mo

Other

Boat Parking Available

Amenities

Special Features

Dog Park Fishing Dock Spacious Floor Plans Riverfront Views Screened in Porch Stainless Steel Appliances Available Waterfront Grilling and Picnic Area Stunning Sunsets Gazebo Open Deck

Community Features

Laundry Facilities Maintenance on site Online Services Pet Care Key Fob Entry Sundeck Picnic Area Waterfront Pond Dock Fitness Center Pool Tennis Court Individual Locking Bedrooms Private Bathroom

Floor Plan Amenities

High Speed Internet Access Smoke Free Cable Ready Trash Compactor Tub/Shower Fireplace Ice Maker Stainless Steel Appliances Pantry Kitchen Microwave Oven Freezer Carpet Vinyl Flooring Dining Room High Ceilings Family Room Walk-In Closets Linen Closet Window Coverings Large Bedrooms Patio Porch Deck Dock

What's Within Reach

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

Grocery

  • Publix Super Market at Highland Square 4.2
  • Publix Super Market at Duval Station Centre 4.5
  • Highlands Food Mart 4.2

Pharmacy

  • Walgreens 2.7
  • Island Pointe Apartments 4.0
  • CVS Pharmacy 4.2

Hospital

  • Baptist & Wolfson North Emergency Room (ER) 4.8
  • HCA Florida Memorial Hospital Emergency Room 3.9
  • UF Health North Emergency Room 2.5

Gym

  • Orangetheory Fitness 4.3
  • Club 14 Fitness 4.9
  • Island Pointe Apartments 4.0

Restaurant

  • Gyro 365 4.7
  • Chef Love Sol Cuisine 4.6
  • Junior's Seafood Restaurant and Grill 4.5

Park

  • Island Pointe Apartments 4.0
  • Huguenot Memorial Park 4.6
  • Little Talbot Island State Park 4.7

Bank

  • Bank of America (with Drive-thru ATM) 2.4
  • Island Pointe Apartments 4.0
  • Bank of America ATM (Drive-thru) 5.0

Gas

  • bp 3.5
  • Circle K | Gas Station 3.8
  • Island Pointe Apartments 4.0

Pet Policy

Bringing a pet? Here's what Island Pointe Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.

Cats Allowed

  • $15 Monthly Pet Rent
  • $300 Fee
  • 90 lb Weight Limit
  • 2 Pet Limit
  • 35 lb Weight Limit

About Island Pointe Apartments

WELCOME TO OUR COMMUNITY. Located in Jacksonville Florida, Island Pointe Luxury Apartment Community offers a rare waterfront living experience set on its own private island. Surrounded by the St. Johns River, the community seamlessly blends quality, comfort, and convenience within a serene, secluded setting. Just steps from the water's edge, residents enjoy sweeping panoramic views, lush natural landscapes, and a level of privacy unmatched anywhere else in the city. Though thoughtfully removed from the pace of everyday life, Island Pointe remains conveniently close to Jacksonville's shopping, dining, and entertainment destinations. The community delivers the comfort and refinement expected of luxury apartment living, complemented by exceptional amenities and attentive service. Island Pointe features six distinctive one-, two-, and three-bedroom floor plans, each designed to enhance both style and livability. Community amenities include a riverfront pool and sundeck, a lighted tennis court, and a fully equipped fitness center-creating a resort-inspired environment that feels both elevated and effortlessly relaxing.

Year Built: 1988
Stories: 3
Total Units: 288
Management: Two Coast Living
Phone: (904) 664-3392

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.

1001 Fields Rd Rental

North Side

$1,745 Ins: ~$17/mo

10264 Lancashire Dr E Rental

North Side

$2,110 Ins: ~$16/mo

10310 Briarcliff Rd E Rental

North Side

$1,499 Ins: ~$16/mo

1035 Preakness Ct Rental

North Side

$1,949 Ins: ~$17/mo

10506 Dodd Rd Rental

North Side

$1,369 Ins: ~$16/mo

11064 Apple Blossom Trail W Rental

North Side

$2,120 Ins: ~$16/mo

Frequently Asked Questions

Does Island Pointe Apartments require renters insurance?
We didn't find a public insurance requirement for Island Pointe 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 Island Pointe Apartments?
For this zip code and building type, expect to pay around $18/month ($216/year). Island Pointe Apartments has security features that qualify for discounts — with those applied, you could pay as little as $17/month. For context, the statewide average is $16/month, so this building is above average.
What will I actually pay per month at Island Pointe Apartments?
Plan for $1,112 to $1,272/month all-in. That's base rent ($1,094 – $1,254), plus roughly $18/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Island Pointe Apartments allow pets?
Yes, Island Pointe Apartments is pet-friendly. Here are the details: Cats Allowed. $15 Monthly Pet Rent. $300 Fee. 90 lb Weight Limit. 2 Pet Limit. 35 lb Weight 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 Island Pointe 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 package service, controlled access, property manager on site, gated — features that can qualify for premium discounts.
Does Island Pointe Apartments need flood insurance?
This property sits in FEMA flood zone AE (High-risk flood area with base flood elevation). Standard renters insurance does not cover flood damage — you'd need a separate flood policy or endorsement. The National Flood Insurance Program (NFIP) offers renters policies starting around $99/year, and private carriers like Neptune and Wright Flood may offer competitive rates.
What floor plans does Island Pointe Apartments offer?
There are 6 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,094 – $1,254. 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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