1025 Assisi Ln, Atlantic Beach, FL 32233
North Beach
Monthly Cost Breakdown at Otter Run Apartments
The listed rent isn't the whole number. Here's what Otter Run Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Otter Run Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Otter Run Apartments can push your insurance cost up or down:
Older Building
Built in 1989 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
Water/Leak Issues
5 mentions in Google reviews
Pest Issues
3 mentions in Google reviews
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 Otter Run 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 Otter Run 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. Otter Run Apartments also has on-site security features (Property manager on site) that insurers recognize with discounts.
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.
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 Otter Run 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 Otter Run 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
Amenities
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 Otter Run Apartments.
Grocery
- Whole Foods Market 4.5
- Mayport Food Store 4.2
- US Navy Commissary 4.4
Pharmacy
- Walgreens Pharmacy 3.6
- Walgreens 3.6
- CVS Pharmacy 4.2
Hospital
- HCA Florida Atlantic Emergency 3.6
- Baptist Medical Center Beaches 4.5
- HCA Florida Memorial Hospital Emergency Room 3.9
Gym
- Planet Fitness 4.5
- LA Fitness 4.1
- Kokoro Health and Fitness 5.0
Restaurant
- The Hangar Bay Café and Gallery 4.7
- Olympia Cafe 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
- Circle K | Gas Station 1.0
- Circle K 3.6
- RaceTrac 3.2
Pet Policy
Bringing a pet? Here's what Otter Run Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Otter Run Apartments
From the property listing:
We are a peaceful community located just minutes away from Mayport Naval Station, the beautiful beaches, parks, local shopping, and entertainment. Here at Otter Run you will enjoy our wooded grounds, lush landscaping combined with luxury apartments, affordable prices and a professional management team set us aside from all the rest. Not to mention the many amenities we offer such as a large playground, fitness center, sparkling pool, and new large deck.
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.
2569 Sandy Dune Dr Rental
North Beach
33 East Apartments
North Beach
Heron Pointe Apartments
North Beach
Mallard Cove Apartments
North Beach
Ocean Blue Apartments
North Beach
Surf Apartments
North Beach
Frequently Asked Questions
Does Otter Run Apartments require renters insurance?
How much is renters insurance at Otter Run Apartments?
What will I actually pay per month at Otter Run Apartments?
Does Otter Run Apartments allow pets?
How safe is the area around Otter Run Apartments?
What floor plans does Otter Run Apartments offer?
Get Renters Insurance for Otter Run Apartments
See how much you could save on renters insurance
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.
SafeButler Inc. strives to ensure that the information on this site is up to date, but we will not be held liable for any delays, inaccuracies, errors, or omissions. This site and all materials contained on it are distributed and provided "as is" and "as available" for use. SafeButler.com makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.