Oaks at Normandy Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 12, 2026

Thinking about renting at Oaks at Normandy Apartments in West Side? Rent here runs $1,220 - $1,899, and renters insurance adds about $14/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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7777 Normandy Blvd, Jacksonville, FL 32221

West Side

Managed by The Klotz Group of Companies Built 2007 3 stories 336 units
5/5 ·12 reviews
$1,220 - $1,899 /month

Monthly Cost Breakdown at Oaks at Normandy Apartments

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

Total Monthly Cost $1,234 – $1,913
Base Rent $1,220 – $1,899
Required Monthly Fees $0
Est. Renters Insurance $14/mo

Renters Insurance at Oaks at Normandy Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Oaks at Normandy Apartments can push your insurance cost up or down:

Gated Community

Gated access reduces theft risk — may qualify for security discount

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

AreaVibes

Crime grade: C

NeighborhoodScout

Safer than only 6% of US cities

What You'll Likely Pay

$14

Est. Monthly

$168

Est. Annual

$12

With Discounts/mo

$14

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 Oaks at Normandy Apartments based on the rent level and building features.

Personal Property Coverage

$40,000 recommended
Low: $20,000 High: $60,000

Liability Coverage

$300,000 $300,000

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 Oaks at Normandy Apartments:

Carrier Monthly Annual
Lemonade $8/mo $96/yr
USAA $9/mo $108/yr
State Farm $12/mo $144/yr
Progressive $13/mo $156/yr
Safeco $13/mo $156/yr
Travelers $14/mo $168/yr
Allstate $15/mo $180/yr
Nationwide $15/mo $180/yr
Farmers $16/mo $192/yr
Liberty Mutual $18/mo $216/yr

Discounts You May Qualify For

Gated community
-5%
Security cameras
-5%
Controlled access
-3%
Alarm-ready unit
-3%
Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $12/mo

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

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Safety & Security

The neighborhood around your apartment directly affects your renters insurance rate — carriers charge more in higher-crime zip codes and less where theft and property damage are rare. Here's what the data says about the area around Oaks at Normandy Apartments.

C

Area Crime Grade

6%

Jacksonville overall is safer than only 6% of U.S. cities

This reflects Jacksonville as a whole — your specific zip code may score differently. Carriers use zip-level data when pricing your policy. The good news: Oaks at Normandy Apartments has on-site security features (Package service, Controlled access, Video patrol, Gated, Gated access, Security cameras) that insurers recognize with premium discounts.

On-Site Security

Package service Controlled access Video patrol Gated Gated access Security cameras

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Oaks at Normandy 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 Oaks at Normandy Apartments. 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.

$150

Application Fee (Per Applicant)

Charged per applicant.

$150

Pets Fees

Pet Deposit

Max of 2. Charged per pet.

$0

One-Time Pet Fee

Max of 2. Charged per pet.

$0

Monthly Pet Fee

Max of 2. Charged per pet.

$25 / mo

Parking Fees

Parking Fee

Charged per vehicle.

$150 / mo

Parking Fee

Charged per vehicle.

$0 / mo

Surface Lot

$150 per month

Garage Lot

$150 per month

Amenities

Special Features

Planned resident activities 24 Hour Security Cameras Alarms Available 9 Ft Ceilings Noise Minimizing Construction Fireplaces available in 3rd floor homes Upgraded Arched Doorways Jacksonville Sheriff's Crime Free Community Pool And Lake Views- $25 Premium

Community Features

Wi-Fi Trash Pickup - Door to Door Renters Insurance Program Planned Social Activities Lounge Walk-Up Waterfront Lake Access Pool Playground

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Air Conditioning Ceiling Fans Trash Compactor Storage Space Tub/Shower Fireplace Framed Mirrors Wheelchair Accessible (Rooms) Dishwasher Disposal Granite Countertops Stainless Steel Appliances Pantry Microwave Oven Range Refrigerator Freezer Hardwood Floors Vinyl Flooring Dining Room Family Room Mud Room Views Walk-In Closets Linen Closet Window Coverings Large Bedrooms Balcony Patio

What's Within Reach

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

Gym

  • Orangetheory Fitness 4.9
  • Planet Fitness 4.3
  • Chuze Fitness 4.3

Restaurant

  • Golden China 4.3
  • Tokyo Sushi and Grill at Normandy 4.2
  • A & D Buffalo 3.9

Park

  • Normandy Athletic Association 3.5

Bank

  • Bank of America (with Drive-thru ATM) 3.2
  • VyStar Credit Union 4.9
  • Ameris Bank 4.7

Pet Policy

Bringing a pet? Here's what Oaks at Normandy 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
  • 2 Pet Limit

About Oaks at Normandy Apartments

Proud to announce, Oaks At Normandy has completed multi-million dollar renovations! Brand New Gated Entrance! At The Oaks at Normandy we pride ourselves on being a whole lot more than just another apartment community - something that is immediately obvious to anyone who has the opportunity to visit our property in person. In addition to the wide range of different floor plans for you to choose from depending on your needs, we also offer picturesque lake views, an incredibly large and inviting clubhouse that is perfect for events and gatherings and a resort-style pool that you'll need to see to believe. Located right in the heart of gorgeous Jacksonville, Florida, The Oaks at Normandy also puts you very close to all the shopping opportunities you want, restaurants and other fine dining and so much more. The truth is that we don't just want to change the way you think about your lifestyle - we want to help you improve it and re-imagine it for all time and from the ground up.

Year Built: 2007
Stories: 3
Total Units: 336
Management: The Klotz Group of Companies
Phone: (904) 664-3797

Other Options Nearby

Still weighing your choices? These communities are in the same part of Jacksonville — with their own insurance costs and safety profiles worth comparing.

Frequently Asked Questions

Does Oaks at Normandy Apartments require renters insurance?
We didn't find a public insurance requirement for Oaks at Normandy 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 Oaks at Normandy Apartments?
For this zip code and building type, expect to pay around $14/month ($168/year). Oaks at Normandy Apartments has security features that qualify for discounts — with those applied, you could pay as little as $12/month. For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at Oaks at Normandy Apartments?
Plan for $1,234 to $1,913/month all-in. That's base rent ($1,220 - $1,899), plus roughly $14/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Oaks at Normandy Apartments allow pets?
Yes, Oaks at Normandy Apartments is pet-friendly. Here are the details: Cats and Dogs Allowed. $25 Monthly Pet Rent. 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 Oaks at Normandy Apartments?
The area has a C crime grade, which is worth factoring into your coverage decisions. That puts it safer than 6 of U.S. cities. On the property itself, you'll find package service, controlled access, video patrol, gated — features that can also qualify you for insurance discounts.
What floor plans does Oaks at Normandy Apartments offer?
There are 3 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,220 - $1,899. 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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