2900 State Road A1A, Atlantic Beach, FL 32233
North Beach
Monthly Cost Breakdown at Mallard Cove Apartments
The listed rent isn't the whole number. Here's what Mallard Cove Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Mallard Cove Apartments
We found a few insurance details on Mallard Cove Apartments's website. Your lease may have additional requirements — treat these as a starting point.
Lease Requirements
* 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.
What Affects Your Premium Here
Every building is different. These factors specific to Mallard Cove Apartments can push your insurance cost up or down:
Older Building
Built in 1987 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 1025/100K (35% below 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 Mallard Cove Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$15,000
If you own more
$40,000
Liability
Covers accidental harm & lawsuits
Pool on premises — higher liability recommended for accidents at shared amenities
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Mallard Cove 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
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 Atlantic Beach.
Atlantic Beach property crime rate
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
U.S. average
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.
Source: FBI UCR Program, Atlantic Beach (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.
Flood Risk
Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Mallard Cove 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.
Fees Beyond Rent
These are the additional charges beyond base rent at Mallard Cove Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Administrative Fee
Application Fee Per Applicant
Pets Fees
One-Time Pet Fee
Max of 2. 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 Mallard Cove Apartments.
Grocery
- The Fresh Market 4.5
- Mayport Food Store 4.2
- Publix Super Market at Seminole Shoppes 4.6
Pharmacy
- Walgreens Pharmacy 3.6
- Walgreens 3.6
- Naval Station Mayport Pharmacy 2.8
Hospital
- HCA Florida Atlantic Emergency 3.6
- Baptist Medical Center Beaches 4.5
- HCA Florida Memorial Hospital Emergency Room 3.9
Gym
- LA Fitness 4.1
- Planet Fitness 4.5
- Kokoro Health and Fitness 5.0
Restaurant
- The Hangar Bay Café and Gallery 4.7
- Safe Harbor Seafood Restaurant 4.5
- Salumeria 104 - Atlantic Beach 4.8
Park
- Jack Russell Park 4.7
- Donner Park Community Center 4.6
- Waters Park 4.7
Bank
- Wells Fargo Bank 3.4
- Navy Federal Credit Union 3.9
- Ameris Bank 4.9
Gas
- Kangaroo Express 3.4
- Circle K | Gas Station 1.0
- GATE Gas Station 4.4
Pet Policy
Bringing a pet? Here's what Mallard Cove Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Mallard Cove Apartments
From the property listing:
Mallard Cove in Atlantic Beach, Florida offers a variety of floor plans and amenities that meet a wide range of tastes and needs. The apartment amenities range from Air Conditioning, Broadband Internet Access, Carpet, Ceiling Fan, Club House, Disability Access, Dishwasher, Extra Storage, Fitness Center, Freeway Access, Garbage Disposal, Microwave, Patio or Balcony, Pets Allowed, Pool, Public Transportation, Senior Housing, Short Term Lease, Small Dogs Allowed, Tile Floors, View, Walk In Closets, Washer Dryer In Unit, and Window Covering and more!
Other Options Nearby
Still weighing your choices? These communities are in the same part of Atlantic Beach — compare rent and estimated insurance cost side by side.
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Heron Pointe Apartments
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Ocean Blue Apartments
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Otter Run Apartments
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Surf 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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