3601 Kernan Blvd S, Jacksonville, FL 32224
Southside
Monthly Cost Breakdown at Mirage on Kernan Apartments
The listed rent isn't the whole number. Here's what Mirage on Kernan Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Mirage on Kernan Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Mirage on Kernan Apartments can push your insurance cost up or down:
Open Access
No gated or controlled access — higher theft exposure
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
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 Mirage on Kernan Apartments 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
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 Mirage on Kernan 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 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. Mirage on Kernan 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.
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 Mirage on Kernan 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
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 Mirage on Kernan Apartments.
Hospital
- HCA Florida Memorial Hospital Emergency Room 3.9
- Mayo Clinic Emergency Room 3.0
- HCA Florida Atlantic Emergency 3.6
Gym
- F45 Training Hodges-Kernan 4.9
- Chuze Fitness 4.2
- Florida Extreme Fitness Center 4.7
Restaurant
- A Bit of Saigon 4.5
- Kusina – Good Eats 4.6
- Thai Orchid restaurant (beach-kernan) 4.2
Park
- Mirage on Kernan 3.2
- Jacksonville Beach Parks & Rec 4.7
- Oceanfront Park 4.7
Bank
- Fifth Third Bank & ATM 3.5
- Mirage on Kernan 3.2
- Bank of America ATM (Drive-thru) 2.9
Gas
- Shell 3.4
- Circle K | Gas Station 4.1
- Mobil 4.1
Pet Policy
Bringing a pet? Here's what Mirage on Kernan 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 Allowed
About Mirage on Kernan Apartments
Welcome to The Mirage on Kernan your perfect Jacksonville home! Experience the perfect blend of comfort, convenience, and style at The Mirage on Kernan. Our thoughtfully designed 2, 3, and 4-bedroom apartment homes feature spacious floor plans, modern finishes, and high-end amenities to elevate your living experience. Enjoy a resort-style lifestyle with a sparkling swimming pool, a fully equipped fitness center, and beautifully landscaped courtyards. Mirage at Kernan also offers 3-month leases, contact our leasing team for more details. Whether youre looking to relax or stay active, our community offers something for everyone. Location is everything, and at Mirage on Kernan, youre perfectly positioned. Jacksonville Beach is less than 15 minutes away, making spontaneous beach days and sunset walks part of your everyday routine. St. Johns Town Center is just 10 minutes from home, putting premier shopping, dining, and entertainment right at your fingertips. For students and professionals alike, the University of North Florida is only 3 minutes away, offering unmatched convenience. With easy access to major roadways, commuting to downtown Jacksonville or exploring the best of the First Coast is simple and stress-free.
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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