Renters Insurance at Palazzo Townhomes
We found a few insurance details on Palazzo Townhomes's website. Your lease may have additional requirements — treat these as a starting point.
Lease Requirements
* An "interested party" is the property management company listed on your insurance policy. It doesn't give them any claim rights — it just means they get notified if your policy lapses, which is how the leasing office verifies you stay insured.
One thing to watch for: when you purchase your policy, most carriers have a field where you add the property as an interested party — skip that step and your proof may get rejected. It takes 30 seconds during checkout. Start a quote to see which carriers handle this automatically.
What Affects Your Premium Here
Every building is different. These factors specific to Palazzo Townhomes can push your insurance cost up or down:
Open Access
No gated or controlled access — higher theft exposure
Ground Level
Single-story — higher flood/water intrusion risk
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 2168/100K (37% above national average)
What You'll Likely Pay
$18
Est. Monthly
$216
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 Palazzo Townhomes 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
Standard minimum for most lease requirements in Florida
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Palazzo Townhomes:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $10/mo | $118/yr |
| USAA | $11/mo | $132/yr |
| State Farm | $15/mo | $176/yr |
| Progressive | $16/mo | $191/yr |
| Safeco | $16/mo | $191/yr |
| Travelers | $17/mo | $206/yr |
| Allstate | $18/mo | $220/yr |
| Nationwide | $18/mo | $220/yr |
| Farmers | $20/mo | $235/yr |
| Liberty Mutual | $22/mo | $264/yr |
Discounts You May Qualify For
Next Step
See if you can beat $18/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.
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. Palazzo Townhomes also has on-site security features (Property manager on site, On site maintenance) 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 Palazzo Townhomes.
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.
6650 103rd St, Jacksonville, FL 32210
West Side
Monthly Cost Breakdown at Palazzo Townhomes
The listed rent isn't the whole number. Here's what Palazzo Townhomes actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Palazzo Townhomes. 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.
Administrative Fee
Charged per unit.
What's Within Reach
Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around Palazzo Townhomes.
Grocery
- Whole Foods Market 4.4
- Publix Super Market at Oak Hill Village 4.4
- Walmart Supercenter 3.8
Pharmacy
- Walmart Pharmacy 2.7
- Ricker Pharmacy 4.5
- Walgreens Pharmacy 2.5
Hospital
- HCA Florida Park West Emergency 3.5
- Ascension St. Vincent's Emergency Care - Westside 4.5
- Ascension St. Vincent's Urgent Care - Westside 4.2
Gas
- Murphy USA 4.0
- RaceTrac 3.6
- Gate Gas Station 3.9
Pet Policy
Bringing a pet? Here's what Palazzo Townhomes allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Palazzo Townhomes
From the property listing:
Palazzo Townhomes is a modern, pet-friendly community located on the southwest side of Jacksonville, Florida. Offering a range of 1-, 2-, and 3-bedroom floor plans, these thoughtfully designed townhomes are ideal for individuals, couples, and families alike. Residents enjoy a blend of comfort and convenience, with features like gourmet kitchens, spacious patios, and stylish vinyl plank flooring throughout. The community also offers on-site maintenance and management, making daily living hassle-free and easy to manage. The location is a major highlight of Palazzo Townhomes.
Frequently Asked Questions
Does Palazzo Townhomes require renters insurance?
How much is renters insurance at Palazzo Townhomes?
What will I actually pay per month at Palazzo Townhomes?
Does Palazzo Townhomes allow pets?
How safe is the area around Palazzo Townhomes?
What floor plans does Palazzo Townhomes offer?
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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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