Paradise Island Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Paradise Island Apartments in Southside? Rent here runs $1,061 - $2,260, 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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7651 Paradise Island Blvd, Jacksonville, FL 32256

Southside

Built 1990 3 stories 812 units
3.1/5 ·555 reviews Google
4/5 ·135 reviews Apt. Finder
$1,061 - $2,260 /month

Monthly Cost Breakdown at Paradise Island Apartments

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

Total Monthly Cost $1,077 – $2,276
Base Rent $1,061 – $2,260
Required Monthly Fees $0
Est. Renters Insurance $16/mo

Renters Insurance at Paradise Island Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Paradise Island Apartments can push your insurance cost up or down:

Open Access

No gated or controlled access — higher theft exposure

Dog-Friendly

Dogs allowed — consider higher liability coverage

Theft Reports

2 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

With Discounts/mo

$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 Paradise Island Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$40,000 recommended

If you own less

$20,000

If you own more

$60,000

Liability

Covers accidental harm & lawsuits

$300,000 recommended

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 Paradise Island 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

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

Next Step

See if you can beat $16/mo

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

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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.

2,168 per 100K residents

Property crime rate in Jacksonville

37% above national average (1,578/100K)

Breakdown per 100K residents

Burglary255 (nat. 200)
Larceny / theft1,708 (nat. 1,172)
Vehicle theft204 (nat. 206)

Higher-than-average property crime is why insurance carriers charge more in this zip code — your premium reflects the claims frequency for the area. Paradise Island Apartments also has on-site security features (Package service, Property manager on site) 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.

Theft Mentioned
Pest Issues Mentioned
Maintenance Issues Mentioned
Water Damage Mentioned
Safety Concerns Mentioned
Noise Mentioned

On-Site Security

Package service Property manager on site

Flood Risk

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

$75

Administrative Fee

Charged per unit.

$200

Pets Fees

Dog Fee

Charged per pet.

$400

Dog Rent

Charged per pet.

$20 / mo

Cat Fee

Charged per pet.

$400

Cat Rent

Charged per pet.

$20 / mo

Amenities

Special Features

Outdoor Kitchens with Four Gas Grills Screened Patios/Balconies* Wood Styled Flooring* Amenity View Central Heating & Air Conditioning Onyx Upgrade Design Package* Lanai ONLY Car Care Center Direct Access to Attached Garage in select homes Direct Access to Attached Garage* Granite Countertops* Lake View* Outside Storage* Two Lighted Pickle Ball Courts Ping Pong Arena Vaulted Ceilings* Washer and Dryer Included Water View Wood Burning Fireplace* Breakfast Bar in Kitchen* Diamond Upgrade Design Package* Orchid ONLY Microwave* Outdoor Fitness Court with Track Flexible Rent Payment Options Onyx Upgrade Design Package* Oahu ONLY Pearl Upgrade Design Package* Two Additional Swimming Pools Wooded View Detached Garages Available* Diamond Upgrade Design Package* Jasmine ONLY Direct Access to Garage Onyx Upgrade Design Package* Maui ONLY Stainless Steel Appliances* Standard Design Package* Large Closets Non-Smoking Community Platinum Upgrade Design Package* Lantana ONLY

Community Features

Maintenance on site Trash Pickup - Door to Door Online Services Pet Play Area Car Wash Area Business Center Clubhouse Walk-Up Grill Fitness Center Pool Playground Racquetball Court Tennis Court Gameroom

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Washer/Dryer Hookup Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Tub/Shower Fireplace Dishwasher Disposal Ice Maker Granite Countertops Stainless Steel Appliances Kitchen Microwave Oven Range Refrigerator Carpet Tile Floors Vinyl Flooring Dining Room Vaulted Ceiling Walk-In Closets Window Coverings Balcony Patio

Pet Policy

Bringing a pet? Here's what Paradise Island 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

  • $20 Monthly Pet Rent
  • $400 Fee

About Paradise Island Apartments

Come home to Paradise Island Apartments, where our homes have it all. Our tranquil setting surrounded by lush landscapes melds beautifully with our irresistible list of upscale amenities to shape the lifestyle you crave. Enjoy high-end finishes, contemporary interiors, and an excellent location near Avenues Mall, all part of your new life inside these Southside Jacksonville apartments. Everything you need is a short ride awaya top employer like Bank of America or a shoppers paradise like St. Johns Town Center, our apartments for rent in Southside Jacksonville, FL, are near it all. So call us today for a tour!

Year Built: 1990
Stories: 3
Total Units: 812
Phone: (904) 822-3765

Other Options Nearby

Still weighing your choices? These communities are in the same part of Jacksonville — compare rent and estimated insurance cost side by side.

Frequently Asked Questions

Does Paradise Island Apartments require renters insurance?
We didn't find a public insurance requirement for Paradise Island 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 Paradise Island Apartments?
For this zip code and building type, expect to pay around $16/month ($187/year). For context, the statewide average is $16/month, so this building is right around average.
What will I actually pay per month at Paradise Island Apartments?
Plan for $1,077 to $2,276/month all-in. That's base rent ($1,061 - $2,260), 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 Paradise Island Apartments allow pets?
Yes, Paradise Island Apartments is pet-friendly. Here are the details: Cats and Dogs Allowed. $20 Monthly Pet Rent. $400 Fee. 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 Paradise Island Apartments?
Property crime in Jacksonville runs noticeably higher than the national average — 2168 incidents per 100,000 residents versus the U.S. average of 1578. That's the metric insurance carriers care about most for renters coverage, since property crime (theft, burglary, vehicle break-ins) drives most claims. Burglary specifically is 255/100K here. On the property itself, you'll find package service, property manager on site — features that can qualify for premium discounts.
What floor plans does Paradise Island Apartments offer?
There are 9 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,061 - $2,260. 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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