Jacksonville Heights Apartments Homes: Renters Insurance Guide & What It Actually Costs

Last updated Apr 12, 2026

Thinking about renting at Jacksonville Heights Apartments Homes in West Side? Rent here runs $925 - $1,575, and renters insurance adds about $16/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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8050 103rd St, Jacksonville, FL 32210

West Side

Managed by Residential Management Built 1970 2 stories 173 units
4/5 ·119 reviews Google
3/5 ·2 reviews
$925 - $1,575 /month

Monthly Cost Breakdown at Jacksonville Heights Apartments Homes

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

Total Monthly Cost $941 – $1,591
Base Rent $925 – $1,575
Required Monthly Fees $0
Est. Renters Insurance $16/mo

Renters Insurance at Jacksonville Heights Apartments Homes

What Affects Your Premium Here

Every building is different. These factors specific to Jacksonville Heights Apartments Homes can push your insurance cost up or down:

Older Building

Built in 1970 — older plumbing/electrical may increase risk

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

$16

Est. Monthly

$193

Est. Annual

$16

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 Jacksonville Heights Apartments Homes 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 Jacksonville Heights Apartments Homes:

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 $16/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 Jacksonville Heights Apartments Homes.

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: Jacksonville Heights Apartments Homes has on-site security features (Property manager on site, Perimeter fencing) 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 Mentioned
Fire Mentioned

On-Site Security

Property manager on site Perimeter fencing

Flood Risk

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

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 Jacksonville Heights Apartments Homes. 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

Pets Fees

Dog Fee

Charged per pet.

$300

Dog Rent

Charged per pet.

$25 / mo

Cat Fee

Charged per pet.

$300

Cat Rent

Charged per pet.

$25 / mo

Parking Fees

Parking Fee

Charged per vehicle.

$0 / mo

Surface Lot

Amenities

Special Features

Stove Off Street Parking Central Heat and Air Conditioning Ceiling Fan Patio/Balcony Luxury Carpet and Vinyl Flooring

Community Features

Laundry Facilities Maintenance on site Online Services Planned Social Activities Walk-Up Fenced Lot Pool Playground

Floor Plan Amenities

Air Conditioning Heating Ceiling Fans Cable Ready Tub/Shower Dishwasher Kitchen Range Carpet Vinyl Flooring Dining Room Walk-In Closets

What's Within Reach

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

Grocery

  • Publix Super Market at Oak Hill Village 4.4
  • SouthEast Asian Market 4.3
  • EL Supremo tienda Latina (103rd ) 4.2

Pharmacy

  • Walgreens 2.1
  • Ricker Pharmacy 4.5
  • Publix Pharmacy at Oak Hill Village 3.7

Gym

  • Orangetheory Fitness 4.9
  • River City Personal Fitness Inc. 5.0
  • Chuze Fitness 4.3

Restaurant

  • Gyro 365 4.7
  • Marco's Pizza 4.0
  • IHOP 3.9

Park

  • Westwood Park 3.6
  • Crystal Springs Park 4.5
  • Boone Park 4.6

Bank

  • VyStar Credit Union 4.9
  • Bank of America ATM 3.0
  • Bank of America ATM (Drive-thru) 2.3

Pet Policy

Bringing a pet? Here's what Jacksonville Heights Apartments Homes 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

  • $25 Monthly Pet Rent
  • $300 Fee
  • 40 lb Weight Limit
  • 2 Pet Limit

About Jacksonville Heights Apartments Homes

Welcome to Jacksonville Heights in Jacksonville, FL, where comfort meets contemporary living with easy access to beaches and downtown Jacksonville. Our newly renovated pet- friendly community offers modern 1, 2, and 3 bedroom apartments and townhomes featuring sleek vinyl flooring, dishwashers, and bright, airy interiors that create a serene living environment. The open-concept layouts create an inviting atmosphere for both relaxation and entertaining. The calm, park-like setting surrounds residents with natural beauty while providing exceptional amenities including a refreshing pool, and a fun-filled playground for family enjoyment. Our expansive grounds and organized social activities fosters relationships and enables neighbors to become friends. The dedicated on-site staff is committed to providing exceptional service and ensures a well-maintained, worry-free living experience. Come experience the perfect blend of suburban tranquility and modern convenience at Jacksonville Heights.

Year Built: 1970
Stories: 2
Total Units: 173
Management: Residential Management
Phone: (904) 914-9740

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 Jacksonville Heights Apartments Homes require renters insurance?
We didn't find a public insurance requirement for Jacksonville Heights Apartments Homes, 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 Jacksonville Heights Apartments Homes?
For this zip code and building type, expect to pay around $16/month ($193/year). For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at Jacksonville Heights Apartments Homes?
Plan for $941 to $1,591/month all-in. That's base rent ($925 - $1,575), plus roughly $16/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Jacksonville Heights Apartments Homes allow pets?
Yes, Jacksonville Heights Apartments Homes is pet-friendly. Here are the details: Cats Allowed. $25 Monthly Pet Rent. $300 Fee. 40 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 Jacksonville Heights Apartments Homes?
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 property manager on site, perimeter fencing — features that can also qualify you for insurance discounts.
What floor plans does Jacksonville Heights Apartments Homes offer?
There are 5 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $925 - $1,575. 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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