Paloma's Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 12, 2026

Thinking about renting at Paloma's Apartments in Central Jacksonville? Rent here runs $895 - $1,200, and renters insurance adds about $16/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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5930 Lenox Ave, Jacksonville, FL 32205

Central Jacksonville

Built 1966 2 stories 107 units
2.8/5 ·31 reviews Google
4/5
$895 - $1,200 /month

Monthly Cost Breakdown at Paloma's Apartments

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

Total Monthly Cost $911 – $1,216
Base Rent $895 – $1,200
Required Monthly Fees $0
Est. Renters Insurance $16/mo

Renters Insurance at Paloma's Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Paloma's Apartments can push your insurance cost up or down:

Older Building

Built in 1966 — older plumbing/electrical may increase risk

Open Access

No gated or controlled access — higher theft exposure

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

$16

Est. Monthly

$193

Est. Annual

$15

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 Paloma's Apartments based on the rent level and building features.

Personal Property Coverage

$30,000 recommended
Low: $15,000 High: $50,000

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 Paloma's 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

Sprinkler system
-5%
Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $15/mo

5 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 Paloma's 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: Paloma's Apartments has on-site security features (Property manager on site, Video patrol, Sprinklers) that insurers recognize with premium discounts.

On-Site Security

Property manager on site Video patrol Sprinklers

Flood Risk

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

$50

Administrative Fee

Charged per unit.

$100

Parking Fees

Surface Lot

Amenities

Community Features

Laundry Facilities Maintenance on site Walk-Up Pool

Floor Plan Amenities

High Speed Internet Access Air Conditioning Heating Ceiling Fans Smoke Free Tub/Shower Sprinkler System Kitchen Oven Refrigerator Freezer Tile Floors Walk-In Closets Balcony

Pet Policy

Bringing a pet? Here's what Paloma's 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.

  • No Pets Allowed

About Paloma's Apartments

Paloma’s Apartments offers affordable 1–2 bedroom homes in Jacksonville’s Hillcrest neighborhood. Water, sewer, and trash are included, and no pets are permitted. We accept Housing Choice (HUD/Section 8) vouchers and consider applicants with prior evictions under our screening criteria. Security deposits are subject to increase based on screening results. Equal Housing Opportunity.

Year Built: 1966
Stories: 2
Total Units: 107
Phone: (904) 664-9712

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.

105 W 36th St Rental

Central Jacksonville

$635 Ins: ~$14/mo
Moderate Risk

1098 Cherry St Apartment

Central Jacksonville

$1,250 Ins: ~$14/mo
Moderate Risk

1115 W 22nd St Rental

Central Jacksonville

$1,195 Ins: ~$14/mo
Moderate Risk

1136 Maynard St Rental

Central Jacksonville

$1,045 Ins: ~$14/mo
Moderate Risk

1184 Comanche St Apartment

Central Jacksonville

$1,185 Ins: ~$14/mo
Moderate Risk

1353 Palmetto St Rental

Central Jacksonville

$1,330 Ins: ~$14/mo
Moderate Risk

Frequently Asked Questions

Does Paloma's Apartments require renters insurance?
We didn't find a public insurance requirement for Paloma's 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 Paloma's Apartments?
For this zip code and building type, expect to pay around $16/month ($193/year). Paloma's Apartments has security features that qualify for discounts — with those applied, you could pay as little as $15/month. For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at Paloma's Apartments?
Plan for $911 to $1,216/month all-in. That's base rent ($895 - $1,200), plus roughly $16/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Paloma's Apartments allow pets?
Yes, Paloma's Apartments is pet-friendly. Here are the details: No Pets Allowed. 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 Paloma's 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 property manager on site, video patrol, sprinklers — features that can also qualify you for insurance discounts.
What floor plans does Paloma's Apartments offer?
There are 5 floor plans to choose from, spanning 1-bedroom, 2-bedroom layouts. Rent ranges from $895 - $1,200. 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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