Mary Eaves Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Mary Eaves Apartments in Central Jacksonville? Rent here runs $1,090 – $1,195, and renters insurance adds about $17/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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1250 W 16th St, Jacksonville, FL 32209

Central Jacksonville

Built 2017 4 stories 80 units
4.7/5 ·96 reviews Google
1 review Apt. Finder
$1,090 – $1,195 /month

Monthly Cost Breakdown at Mary Eaves Apartments

The listed rent isn't the whole number. Here's what Mary Eaves Apartments actually costs each month once you add required fees and insurance.

Total Monthly Cost $1,107 – $1,212
Base Rent $1,090 – $1,195
Est. Renters Insurance $17/mo

Renters Insurance at Mary Eaves Apartments

Accepted Insurance Providers

Mary Eaves Apartments 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

From the Mary Eaves Apartments Website

Unemployment Insurance

What Affects Your Premium Here

Every building is different. These factors specific to Mary Eaves Apartments can push your insurance cost up or down:

Gated Community

Gated access reduces theft risk — may qualify for security discount

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

$17

Est. Monthly

$204

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 Mary Eaves 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 Mary Eaves Apartments:

Carrier Monthly Annual
Lemonade $11/mo $134/yr
USAA $13/mo $150/yr
State Farm $17/mo $200/yr
Progressive $18/mo $217/yr
Safeco $18/mo $217/yr
Travelers $19/mo $234/yr
Allstate $21/mo $250/yr
Nationwide $21/mo $250/yr
Farmers $22/mo $267/yr
Liberty Mutual $25/mo $301/yr

Discounts You May Qualify For

Gated community
-5%
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

5 discounts may apply here. Real quotes show your actual price — estimates can't.

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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
Jacksonville 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. Mary Eaves Apartments also has on-site security features (Gated) 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 Common topic
3×

On-Site Security

Gated

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Mary Eaves 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 Mary Eaves Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Pets Fees

Dog Fee

Charged per pet.

$350

Dog Rent

Charged per pet.

$25 / mo

Cat Fee

Charged per pet.

$350

Cat Rent

Charged per pet.

$25 / mo

Amenities

Special Features

55+ Active Senior Community Activity Room with Kitchen Air Conditioner Carpeting Ceiling Fan Courtyard Pavilion with Grills Electronic Thermostat Energy Efficient Appliances Extra Storage Fully Equipped Kitchens Green Building Internet Cafe Large Closets Living Room with Fireplace Monthly Resident Activities Outdoor Garden Smoke-Free Building Storage Spaces Available Theatre Room

Community Features

24 Hour Access Business Center Clubhouse Storage Space Courtyard Grill Fitness Center

Floor Plan Amenities

Washer/Dryer Air Conditioning Ceiling Fans Smoke Free Fireplace Dishwasher Kitchen Microwave

What's Within Reach

Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around Mary Eaves Apartments.

Grocery

  • The Fresh Market 4.5
  • Kozy Korner Grocery Store 3.8
  • Springfield Superette 4.9

Pharmacy

  • Walgreens Pharmacy 2.7
  • UF Health Jacksonville Pharmacy 3.1
  • Premier Pharmacy 4.3

Hospital

  • UF Health Jacksonville Emergency Room 2.2
  • UF Health Jacksonville 2.7
  • HCA Florida Memorial Hospital Emergency Room 3.9

Gym

  • Snap Fitness Jacksonville 4.7
  • Chuze Fitness 4.3
  • Anytime Fitness 4.9

Restaurant

  • Tulua Bistro Springfield 4.9
  • The District SPR 4.5
  • The Spot Restaurant Jacksonville fl 32209 4.9

Park

  • Boone Park 4.6
  • City of Jacksonville- Parks, Recreation, And Community Services 2.9
  • Willowbranch Park 4.5

Bank

  • Bank of America ATM (Drive-thru) 3.0
  • Regions Bank 3.3
  • Bank of America ATM 1.0

Gas

  • Sunoco 3.7
  • Ethio Discount Food Store 4.0
  • GATE Gas Station 4.4

Pet Policy

Bringing a pet? Here's what Mary Eaves 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

  • $25 Monthly Pet Rent
  • $350 Fee
  • 25 lb Weight Limit
  • 2 Pet Limit

About Mary Eaves Apartments

55+ Active Senior Community. Lease Your New Home Today! Experience the new standard in affordable Senior Living. A serene sanctuary at the center of it all, where comfort and convenience meet. Featuring newly constructed residences and a wide variety of amenities, Mary Eaves brings the best of everything you have been looking for in a Senior Living apartment community. This ideal senior community provides an active and social lifestyle for seniors 55 and older. 7-1-1 TTY

Year Built: 2017
Stories: 4
Total Units: 80
Phone: (904) 365-7905

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.

105 W 36th St Rental

Central Jacksonville

$635 Ins: ~$19/mo

1098 Cherry St Apartment

Central Jacksonville

$1,250 Ins: ~$17/mo

1115 W 22nd St Rental

Central Jacksonville

$1,195 Ins: ~$19/mo

1136 Maynard St Rental

Central Jacksonville

$1,045 Ins: ~$19/mo

1184 Comanche St Apartment

Central Jacksonville

$1,185 Ins: ~$17/mo

1353 Palmetto St Rental

Central Jacksonville

$1,330 Ins: ~$19/mo

Frequently Asked Questions

Does Mary Eaves Apartments require renters insurance?
We didn't find a public insurance requirement for Mary Eaves Apartments, 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 Mary Eaves Apartments?
For this zip code and building type, expect to pay around $17/month ($204/year). Mary Eaves Apartments has security features that qualify for discounts — with those applied, you could pay as little as $16/month. For context, the statewide average is $16/month, so this building is right around average.
What will I actually pay per month at Mary Eaves Apartments?
Plan for $1,107 to $1,212/month all-in. That's base rent ($1,090 – $1,195), plus roughly $17/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Mary Eaves Apartments allow pets?
Yes, Mary Eaves Apartments is pet-friendly. Here are the details: Cats and Dogs Allowed. $25 Monthly Pet Rent. $350 Fee. 25 lb Weight Limit. 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 Mary Eaves Apartments?
Property crime in Jacksonville runs noticeably higher than the national average — 2168 incidents per 100,000 residents versus the U.S. average of 1578. 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 gated — features that can qualify for premium discounts.
What floor plans does Mary Eaves Apartments offer?
There are 3 floor plans to choose from, spanning 1-bedroom, 2-bedroom layouts. Rent ranges from $1,090 – $1,195. 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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