1251 Beacon Point Dr, Jacksonville, FL 32246
Arlington
Monthly Cost Breakdown at Palms at Beacon Pointe Apartments
The listed rent isn't the whole number. Here's what Palms at Beacon Pointe Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Palms at Beacon Pointe Apartments
We found a few insurance details on Palms at Beacon Pointe Apartments'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 Palms at Beacon Pointe Apartments can push your insurance cost up or down:
Older Building
Built in 1985 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
Dog-Friendly
Dogs allowed — consider higher liability coverage
Pest Issues
3 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
$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 Palms at Beacon Pointe 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
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 Palms at Beacon Pointe 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.
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. Palms at Beacon Pointe Apartments also has on-site security features (Package service, 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 Palms at Beacon Pointe 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 Palms at Beacon Pointe Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Pest Control Services
Regular pest prevention and treatment services. Charged per unit.
Parking
Fee for reserved or designated parking space use and maintenance Charged per unit.
Utility Service Fee
Monthly fee for utility bill processing and administration. Charged per unit.
Cable TV / Internet Services
Community-provided cable TV and internet services Charged per unit.
Common Area Utilities
Shared utility costs in community common areas. Charged per unit.
Admin Fee
Fee to process rental application and background check Charged per unit.
Application Fee
Administrative processing fee to cover lease preparation. Charged per applicant.
Application Fee Per Applicant
Charged per applicant.
Administrative Fee
Charged per unit.
Pets Fees
Dog Fee
Charged per pet.
Dog Rent
Charged per pet.
Cat Fee
Charged per pet.
Cat Rent
Charged per pet.
Pet Fee
Fee for allowing pets in the home. Charged per pet.
Pet / Animal Lease Violation
Fee issued for unauthorized pets or violations of pet policyCharged per pet.
Pet Fee
Pet Fee Charged per pet.
Pet Rent
monthly charge for keeping a pet in the home. Charged per pet.
Parking Fees
Parking - Reserved
Fee for a designated parking spot on-site. Charged per vehicle.
Situational Fees
Utility - Final Bill Fee
One-time charge for processing and closing a utility accountCharged per unit.
Utility - New Account Fee
One-time charge to activate new utility services. Charged per unit.
Utility - Vacant Processing Fee
Preparing and administering a unit after move-out Charged per unit.
Intra-Community Transfer Fee
Charge for transferring to another home within the same community. Charged per unit.
Security Deposit (Refundable)
Refundable deposit covering potential damages and unpaid rent per lease terms. Charged per unit.
Security Deposit Alternative
Alternative to a standard security deposit typically issued through a surety bond. Charged per unit.
Late Fee (Flat)
Penalty for rent or fee payments made after the due date. Charged per unit.
Renters Liability Non-Compliance
Fee for not maintaining required renters liability insurancecoverage. Charged per unit.
Access Device Replacement
Charge to replace lost or damaged key, fob, or remote. Charged per unit.
NSF Tenant Fee
NSF Tenant Fee Charged per unit.
Utility - Electric
Cost of electricity usage for your apartment. Charged per unit.
Utility - Gas
Cost of gas usage for your apartment. Charged per unit.
Utility - Stormwater / Drainage
Local stormwater management and drainage system fee. Chargedper unit.
Utility - Water / Sewer
Water usage and wastewater removal costs. Charged per unit.
Utility - Non-transferred Utility Fee
Charge for utility costs not moved to residents name. Charged per unit.
Concession Repayment
Tenant repayment of rent discounts if lease terms are not met. Charged per unit.
Legal / Eviction Fee
Costs associated with an eviction proceeding. Charged per unit.
Lease Violation
Fee for non-compliance with lease terms or community policies. Charged per unit.
Early Lease Termination / Buyout
Buyout for ending lease agreement before its scheduled end date. Charged per unit.
Utility - Vacant Cost Recovery
Utility costs incurred while the unit was unoccupied. Charged per unit.
Insufficient Move-out Notice Fee
Charge for not providing proper advance notice before move-out. Charged per unit.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Palms at Beacon Pointe 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.
About Palms at Beacon Pointe Apartments
From the property listing:
Welcome to Palms at Beacon Pointe, the premier apartment community in the beautiful city of Jacksonville, Florida. Our community offers four energy-efficient floor plans, including spacious one and two-bedroom apartment homes.
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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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