2020 Wells Rd, Orange Park, FL 32073
Orange Park
Monthly Cost Breakdown at Laurel Grove Apartment Homes
The listed rent isn't the whole number. Here's what Laurel Grove Apartment Homes actually costs each month once you add required fees and insurance.
Renters Insurance at Laurel Grove Apartment Homes
What Affects Your Premium Here
Every building is different. These factors specific to Laurel Grove Apartment Homes can push your insurance cost up or down:
Older Building
Built in 1984 — older plumbing/electrical may increase risk
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: 541/100K (66% below national average)
What You'll Likely Pay
$16
Est. Monthly
$187
Est. Annual
$16
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 Laurel Grove Apartment Homes 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
$60,000
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 Laurel Grove Apartment Homes:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $8/mo | $102/yr |
| USAA | $10/mo | $114/yr |
| State Farm | $13/mo | $152/yr |
| Progressive | $14/mo | $165/yr |
| Safeco | $14/mo | $165/yr |
| Travelers | $15/mo | $178/yr |
| Allstate | $16/mo | $190/yr |
| Nationwide | $16/mo | $190/yr |
| Farmers | $17/mo | $203/yr |
| Liberty Mutual | $19/mo | $228/yr |
Discounts You May Qualify For
Next Step
See if you can beat $16/mo
4 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 Orange Park.
Property crime rate in Orange Park
-66% below national average (1,578/100K)
Breakdown per 100K residents
Below-average property crime typically translates to lower renters insurance premiums in this area, and security features on the building can push your rate even lower. Laurel Grove Apartment Homes also has on-site security features (Property manager on site, On site maintenance) that insurers recognize with discounts.
Source: FBI UCR Program, Orange Park (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 Laurel Grove 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 Laurel Grove 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.
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 Laurel Grove Apartment Homes.
Grocery
- Chili's Grill & Bar 4.1
- Burger King 3.5
- Wok N Roll 3.9
Pharmacy
- Walgreens Pharmacy 3.9
- Wells Road Pharmacy 5.0
Gym
- Crunch Fitness - Orange Park 4.0
- Planet Fitness 4.2
Restaurant
- The Hilltop Restaurant 4.4
- Zen Dumpling 4.7
- RaMoon Asian cuisine & Sushi bar 4.9
Park
- Laurel Grove Apartment Homes 2.8
- Clarke House Park 4.6
- Gano Park 4.4
Bank
- Bank of America (with Drive-thru ATM) 2.7
- ATM (Shell) 3.0
- Bank of America ATM (Drive-thru) 1.5
Gas
- Shell 2.6
- Circle K | Gas Station
- GATE Gas Station 3.4
Pet Policy
Bringing a pet? Here's what Laurel Grove 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 lb Weight Limit
- 2 Pet Limit
About Laurel Grove Apartment Homes
Laurel Grove Apartments is nestled away from any major intersections, yet within driving distance to anything you might need. This means that on the one hand, you can reach any destination you have in mind, and on the other, you get to enjoy the tranquility of our secluded Orange Park, FL, apartments. Take your pick from our spacious apartments and townhomes and get ready to be engulfed in a world of comfort. Each one of them features fully-equipped kitchens, washer and dryer connections, extra storage, ceiling fans, and air conditioning, among many others. Elegant details such as fireplaces and private patios or balconies are also a given. To keep you entertained all day long, we also added a fitness center, picnic areas, and two swimming pools with sundecks. Our pet-friendly community also offers an online platform for paying rent and on-site maintenance for extra convenience.Call or email us today to schedule your tour!
Other Options Nearby
Still weighing your choices? These communities are in the same part of Orange Park — compare rent and estimated insurance cost side by side.
347 Capella Rd Rental
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Arbors at Orange Park Apartments
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Park Village Apartments
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Parkland at Orange Park Apartments
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Reserve at Orange Park Apartments
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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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