Lenox Cove | NEWLY-DESIGNED APARTMENTS: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Lenox Cove | NEWLY-DESIGNED APARTMENTS in Southside? Rent here runs $1,038 – $1,637, 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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8737 Baymeadows Rd, Jacksonville, FL 32256

Southside

Built 1991 2 stories 118 units
4.5/5 ·121 reviews Google
Apt. Finder
$1,038 – $1,637 /month

Monthly Cost Breakdown at Lenox Cove | NEWLY-DESIGNED APARTMENTS

The listed rent isn't the whole number. Here's what Lenox Cove | NEWLY-DESIGNED APARTMENTS actually costs each month once you add required fees and insurance.

Total Monthly Cost $1,054 – $1,653
Base Rent $1,038 – $1,637
Est. Renters Insurance $16/mo

Renters Insurance at Lenox Cove | NEWLY-DESIGNED APARTMENTS

We found a few insurance details on Lenox Cove | NEWLY-DESIGNED APARTMENTS's website. Your lease may have additional requirements — treat these as a starting point.

Lease Requirements

Interested party* Add property to policy
Listed carriers
Kin
See how your options compare. Get a quote

* An "interested party" is the property management company listed on your insurance policy. It doesn't give them any claim rights — it just means they get notified if your policy lapses, which is how the leasing office verifies you stay insured.

One thing to watch for: when you purchase your policy, most carriers have a field where you add the property as an interested party — skip that step and your proof may get rejected. It takes 30 seconds during checkout. Start a quote to see which carriers handle this automatically.

In Lenox Cove | NEWLY-DESIGNED APARTMENTS's own words:

"Renters insurance (We offer liability only renters insurance at $12 per month, or you can choose your own rental insurance, as long as it meets the requirements in our rental agreement.)"

What Affects Your Premium Here

Every building is different. These factors specific to Lenox Cove | NEWLY-DESIGNED 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

$16

Est. Monthly

$187

Est. Annual

$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 Lenox Cove | NEWLY-DESIGNED 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

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 Lenox Cove | NEWLY-DESIGNED APARTMENTS:

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

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.

Compare Quotes Free · No account required

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. Lenox Cove | NEWLY-DESIGNED APARTMENTS also has on-site security features (Package service, 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

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 Lenox Cove | NEWLY-DESIGNED 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.

Amenities

Special Features

Easy & Secure Online Rent Payments Stainless Steel Kitchen Appliances Outdoor Bike Racks Fiber Internet Project Access Community Resource Center Bridge Credit Plus Vinyl Wood-Style Flooring Carpeted Bedrooms Monthly Resident Events Non-Smoking Community On Demand Cleaning Subway Tile Kitchen Backsplash Bridge Living App Yoga Room with Echelon Mirror Air Conditioner Elevators

Community Features

Laundry Facilities Maintenance on site Elevator Clubhouse Fitness Center Pool

Floor Plan Amenities

Air Conditioning Granite Countertops Kitchen

What's Within Reach

Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around Lenox Cove | NEWLY-DESIGNED APARTMENTS.

Grocery

  • Walmart Neighborhood Market 4.2
  • Rowe's Supermarket - Baymeadows 4.6
  • Publix Super Market at Deerwood Village Shopping Center 4.4

Pharmacy

  • CVS Pharmacy 4.1
  • Walmart Pharmacy 4.7
  • Publix Pharmacy at Deerwood Village Shopping Center 5.0

Hospital

  • Ascension St. Vincent's Emergency Care - Southside 4.2
  • UF Health Emergency & Urgent Care Center - Baymeadows 4.4
  • HCA Florida Memorial Hospital Emergency Room 3.9

Gym

  • Chuze Fitness 4.0
  • Chuze Fitness 4.1
  • Planet Fitness 4.5

Restaurant

  • AL SHAMI 4.7
  • Clara's Tidbits Restaurant 4.7
  • Noom Thai Bistro 4.8

Park

  • Fort Family Park 4.5
  • Losco Regional Park 4.6
  • Deerwood Rotary Childrens Park 4.4

Bank

  • Bank of America (with Drive-thru ATM) 3.0
  • Bank of America ATM (Drive-thru) 3.2
  • Truist 2.3

Gas

  • Gulf Gas Station 4.6
  • Shell 3.4
  • Shell 3.7

Pet Policy

Bringing a pet? Here's what Lenox Cove | NEWLY-DESIGNED 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
$20 Monthly Pet Rent
2 Pet Limit

About Lenox Cove | NEWLY-DESIGNED APARTMENTS

Year Built: 1991
Stories: 2 stories
Units: 118
Phone: (904) 664-4676

From the property listing:

Welcome to Lenox Cove Apartment Homes located in beautiful, sunny Jacksonville, Florida. Our lively community is located near a number of shopping, dining, and entertainment venues. Easily accessible from I-95 and Highway-1, Lenox Cove provides an ideal location for quick commuting to all Jacksonville has to offer. Choose from our elegant, and spacious floor plans including studios, 1-bedrooms, and 2-bedroom apartment homes all featuring modern finishes and top amenities both inside and out. What are you waiting for? Schedule your tour today and find your home and Lenox Cove Apartment Homes.

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 Lenox Cove | NEWLY-DESIGNED APARTMENTS require renters insurance?
We found specific coverage details on Lenox Cove | NEWLY-DESIGNED APARTMENTS's website — these likely reflect lease requirements, but confirm with the leasing office. 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 Lenox Cove | NEWLY-DESIGNED APARTMENTS?
For this zip code and building type, expect to pay around $16/month ($187/year). For context, the statewide average is $16/month, so this building is right around average.
What will I actually pay per month at Lenox Cove | NEWLY-DESIGNED APARTMENTS?
Plan for $1,054 to $1,653/month all-in. That's base rent ($1,038 – $1,637), 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 Lenox Cove | NEWLY-DESIGNED APARTMENTS allow pets?
Yes, Lenox Cove | NEWLY-DESIGNED APARTMENTS is pet-friendly. Here are the details: Cats and Dogs Allowed. $20 Monthly Pet Rent. 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 Lenox Cove | NEWLY-DESIGNED APARTMENTS?
Property crime in Jacksonville runs noticeably higher than the national average — 2,168 incidents per 100,000 residents versus the U.S. average of 1,578. 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, property manager on site — features that can qualify for premium discounts.
What floor plans does Lenox Cove | NEWLY-DESIGNED APARTMENTS offer?
There are 5 floor plans to choose from, spanning 1-bedroom, 2-bedroom, studio layouts. Rent ranges from $1,038 – $1,637. 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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