Renters Insurance at Mount Carmel Gardens- A 62+ Community Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Mount Carmel Gardens- A 62+ Community Apartments can push your insurance cost up or down:
Older Building
Built in 1972 — older plumbing/electrical may increase risk
Gated Community
Gated access reduces theft risk — may qualify for security discount
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
Water/Leak Issues
4 mentions in Google reviews
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
$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 Mount Carmel Gardens- A 62+ Community Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$10,000
If you own more
$25,000
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 Mount Carmel Gardens- A 62+ Community Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $9/mo | $107/yr |
| USAA | $10/mo | $120/yr |
| State Farm | $13/mo | $160/yr |
| Progressive | $14/mo | $174/yr |
| Safeco | $14/mo | $174/yr |
| Travelers | $16/mo | $187/yr |
| Allstate | $17/mo | $200/yr |
| Nationwide | $17/mo | $200/yr |
| Farmers | $18/mo | $214/yr |
| Liberty Mutual | $20/mo | $240/yr |
Discounts You May Qualify For
Next Step
See if you can beat $15/mo
7 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.
Jacksonville property crime rate
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
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. Mount Carmel Gardens- A 62+ Community Apartments also has on-site security features (Controlled access, Property manager on site, Gated, Sprinklers) 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 Mount Carmel Gardens- A 62+ Community 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.
5846 Mount Carmel Ter, Jacksonville, FL 32216
Southside
Monthly Cost Breakdown at Mount Carmel Gardens- A 62+ Community Apartments
The listed rent isn't the whole number. Here's what Mount Carmel Gardens- A 62+ Community Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Mount Carmel Gardens- A 62+ Community Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Parking Fees
Surface Lot
Parking Available
What's Within Reach
Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around Mount Carmel Gardens- A 62+ Community Apartments.
Grocery
- Whole Foods Market 4.4
- Harveys Supermarkets 4.2
- Save A Lot 4.1
Pharmacy
- CVS Pharmacy 3.7
- Jackson Pharmacy 3.8
- Halliday's & Koivisto's Pharmacy 4.3
Hospital
- HCA Florida Memorial Hospital Emergency Room 3.9
- HCA Florida Memorial Hospital 4.1
- Ascension St. Vincent's Emergency Care - Southside 4.2
Gym
- Orangetheory Fitness 4.7
- Anytime Fitness 4.9
- Planet Fitness 4.5
Restaurant
- Sweet southern skillet LLC 4.9
- Lily European Кitchen Restaurant 4.9
- Yan Sushi Restaurant 4.8
Park
- Fort Family Park 4.5
- Losco Regional Park 4.6
- Blue Cypress Park 4.4
Bank
- Fifth Third Bank & ATM 2.9
- Bank of America (with Drive-thru ATM) 2.4
- Fifth Third Bank & ATM 4.3
Gas
- UNIVERSITY GAS & CONVENIENCE STORE 4.3
- Sunoco 4.0
- RaceTrac 3.4
Pet Policy
Bringing a pet? Here's what Mount Carmel Gardens- A 62+ Community Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Mount Carmel Gardens- A 62+ Community Apartments
From the property listing:
Thank you for inquiring about Mount Carmel Gardens Senior Apartments, a community for seniors 62 and better that is nationally recognized as a Community of Quality by the National Affordable Housing Management Association. We are within walking distance of grocery and pharmacy stores. The community is one mile away from a nationally ranked hospital and also on the public transportation line. Our building has 17 floors and the apartments have amazing views of Jacksonville, with some of our apartments having a beautiful view of the downtown Jacksonville skyline.
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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