799 Water St, Jacksonville, FL 32204
Downtown Jacksonville
Monthly Cost Breakdown at Lofts at Jefferson Station
The listed rent isn't the whole number. Here's what Lofts at Jefferson Station actually costs each month once you add required fees and insurance.
Renters Insurance at Lofts at Jefferson Station
What Affects Your Premium Here
Every building is different. These factors specific to Lofts at Jefferson Station can push your insurance cost up or down:
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
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
$188
Est. Annual
$15
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 Lofts at Jefferson Station 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 Lofts at Jefferson Station:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $10/mo | $123/yr |
| USAA | $12/mo | $138/yr |
| State Farm | $15/mo | $184/yr |
| Progressive | $17/mo | $200/yr |
| Safeco | $17/mo | $200/yr |
| Travelers | $18/mo | $215/yr |
| Allstate | $19/mo | $230/yr |
| Nationwide | $19/mo | $230/yr |
| Farmers | $20/mo | $246/yr |
| Liberty Mutual | $23/mo | $276/yr |
Discounts You May Qualify For
Next Step
See if you can beat $15/mo
5 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 Jacksonville.
Property crime rate in Jacksonville
37% above national average (1,578/100K)
Breakdown per 100K residents
Higher-than-average property crime is why insurance carriers charge more in this zip code — your premium reflects the claims frequency for the area. Lofts at Jefferson Station also has on-site security features (Controlled access, Covered parking, On site maintenance) that insurers recognize with discounts.
Source: FBI UCR Program, Jacksonville Sheriff's Office (2024-12 to 2025-11)
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 Lofts at Jefferson Station.
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 Lofts at Jefferson Station. 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.
Pets Fees
Dog Fee
Charged per pet.
Dog Rent
Charged per pet.
Cat Fee
Charged per pet.
Cat Rent
Charged per pet.
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 Lofts at Jefferson Station.
Grocery
- The Fresh Market 4.5
- Publix Super Market at Riverside 4.5
Pharmacy
- Capsule 4.5
- Publix Pharmacy at Riverside 3.4
- Walgreens Specialty Pharmacy 3.2
Hospital
- Ascension St. Vincent's Emergency Care - Riverside 4.0
- Baptist Jacksonville Emergency Room (ER) 2.4
- Ascension St. Vincent's Riverside 4.3
Gym
- Snap Fitness Jacksonville 4.7
- Trinity Fitness - Riverside 5.0
- River View Fitness Center 5.0
Restaurant
- Alder & Oak 4.8
- Hawkers Asian Street Food 4.6
- On the Fly Sandwiches & Stuff- 4.9
Park
- Riverside Park 4.5
- City of Jacksonville- Parks, Recreation, And Community Services 2.9
- Memorial Park 4.7
Bank
- Ameris Bank 4.9
- Truist - ATM 3.0
- Regions Bank 3.3
Gas
- GATE Gas Station 4.4
- GATE Gas Station 3.7
- bp 3.2
Pet Policy
Bringing a pet? Here's what Lofts at Jefferson Station 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
- $350 Fee
- 35 lb Weight Limit
- 2 Pet Limit
About Lofts at Jefferson Station
Come explore Lofts at Jefferson Station, a brand new community in the heart of Downtown Jacksonville. Our communitys sleek design and contemporary features were built with your comfort in mind. Our Downtown lofts offer a wide array of studio, one, two and three bedroom apartments. Each home is equipped with amenities that will reflect both functionality and practicality. Contemporary kitchens, stylish appliances, impressive floor plans, and spectacular views are just some of the amenities we are proud to feature in our homes. Lofts at Jefferson Station not only offers ideal in-home features, we also provide our residents with unmatched perks within our community. Enjoy a 24-hour fitness center, clubroom and resident lounge with billiards tables. Controlled access entry, superb on-site maintenance and an accommodating animal friendly policy ensure the comfort of our residents. Why settle for less? Join us today and experience refined Downtown Jacksonville apartment living!
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.
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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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