Kings Trail Apartment Homes: Renters Insurance Guide & What It Actually Costs

Last updated Apr 12, 2026

Thinking about renting at Kings Trail Apartment Homes in Southside? Rent here runs $819 - $1,328, 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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3770 Toledo Rd, Jacksonville, FL 32217

Southside

Built 1968 2 stories 320 units
3.2/5 ·243 reviews Google
4/5 ·9 reviews
$819 - $1,328 /month

Monthly Cost Breakdown at Kings Trail Apartment Homes

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

Total Monthly Cost $835 – $1,344
Base Rent $819 – $1,328
Required Monthly Fees $0
Est. Renters Insurance $16/mo

Renters Insurance at Kings Trail Apartment Homes

Accepted Insurance Providers

Kings Trail Apartment Homes accepts policies from these carriers — though most standard renters insurance companies will be fine. If you already have a policy, check if your carrier is on the list.

kin

What Affects Your Premium Here

Every building is different. These factors specific to Kings Trail Apartment Homes can push your insurance cost up or down:

Older Building

Built in 1968 — older plumbing/electrical may increase risk

Open Access

No gated or controlled access — higher theft exposure

Dog-Friendly

Dogs allowed — consider higher liability coverage

Water/Leak Issues

3 mentions in Google reviews

Identity Theft Concerns

1 mentions in reviews (mail tampering, fraud, personal info)

Vehicle Crime

1 mentions of car theft, vandalism, or break-ins in reviews

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 Kings Trail Apartment Homes based on the rent level and building features.

Personal Property Coverage

$30,000 recommended
Low: $15,000 High: $50,000

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 Kings Trail Apartment 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 Kings Trail Apartment 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: Kings Trail Apartment Homes has on-site security features (Package service, Property manager on site) 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 Frequent topic
Water Damage Common topic
Pest Issues Mentioned
Identity Theft / Mail Fraud Mentioned
Water Intrusion (pipes, sewage) Mentioned
Vehicle Crime Mentioned

On-Site Security

Package service 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 Kings Trail Apartment 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 Kings Trail Apartment 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

Large Closets Patio/Balcony BBQ/Picnic Area Efficient Appliances

Community Features

Laundry Facilities Maintenance on site Sundeck Pool Playground Basketball Court Tennis Court

Floor Plan Amenities

High Speed Internet Access Air Conditioning Heating Smoke Free Cable Ready Dishwasher Disposal Eat-in Kitchen Kitchen Oven Range Refrigerator Vinyl Flooring Dining Room Walk-In Closets Window Coverings

What's Within Reach

Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around Kings Trail Apartment Homes.

Grocery

  • Super Tienda Latina & Restaurant #1 4.2
  • Publix Super Market at University Square 4.6

Pharmacy

  • CVS Pharmacy 4.6
  • Jaxx Pharmacy 4.8
  • Public Square Pharmacy 4.7

Hospital

  • HCA Florida Memorial Hospital Emergency Room 3.9
  • HCA Florida Memorial Hospital 4.1
  • UF Health Emergency & Urgent Care Center - Baymeadows 4.4

Gym

  • Orangetheory Fitness 4.7
  • Planet Fitness 4.5
  • Anytime Fitness 4.9

Restaurant

  • Gyro 365 4.7
  • Syriana Grill 4.8
  • Athens Cafe 4.6

Park

  • Crabtree Park 4.4
  • Kings Trail Apartment Homes 3.2
  • Losco Regional Park 4.6

Bank

  • Fifth Third Bank & ATM 2.9
  • Kings Trail Apartment Homes 3.2
  • Bank of America (with Drive-thru ATM) 3.0

Gas

  • Snack & Gas #2 3.4
  • Exxon 4.3
  • RaceTrac 3.4

Pet Policy

Bringing a pet? Here's what Kings Trail Apartment 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 and Dogs Allowed

  • $25 Monthly Pet Rent
  • $300 Fee
  • 2 Pet Limit

About Kings Trail Apartment Homes

Welcome to Kings Trail Apartments, A pet friendly apartment community where affordable living meets coastal convenience. Our spacious and renovated apartments are nestled within lush landscaping and tranquil grounds, creating a peaceful retreat from city life. Each apartment features large closets, premium vinyl flooring, dishwashers and private balcony and patios that offer the perfect spot for outdoor relaxation. Residents love our resort-style amenities, including a sparkling swimming pool, tennis and basketball court, and family-friendly playground. Our expansive grounds and abundant communal areas are ideal for enabling neighbors to become friends. Perfectly situated near both pristine beaches and downtown Jacksonville, you'll enjoy easy access to shopping, dining, and entertainment. Our dedicated management team is ready to welcome you home. Experience the perfect blend of comfort and convenience at Kings Trail Apartments, where modern features meet affordable luxury.

Year Built: 1968
Stories: 2
Total Units: 320
Phone: (904) 664-5422

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 Kings Trail Apartment Homes require renters insurance?
We didn't find a public insurance requirement for Kings Trail Apartment 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 Kings Trail Apartment 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 Kings Trail Apartment Homes?
Plan for $835 to $1,344/month all-in. That's base rent ($819 - $1,328), 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 Kings Trail Apartment Homes allow pets?
Yes, Kings Trail Apartment Homes is pet-friendly. Here are the details: Cats and Dogs Allowed. $25 Monthly Pet Rent. $300 Fee. 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 Kings Trail Apartment 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 package service, property manager on site — features that can also qualify you for insurance discounts.
What floor plans does Kings Trail Apartment Homes offer?
There are 7 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $819 - $1,328. 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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