Parkland at Orange Park Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Parkland at Orange Park Apartments in Orange Park? Rent here runs $990 - $2,265, 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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1863 Wells Rd, Orange Park, FL 32073

Orange Park

Built 1988 2 stories 358 units
3.7/5 ·256 reviews Google
5/5 ·20 reviews Apt. Finder
$990 - $2,265 /month

Monthly Cost Breakdown at Parkland at Orange Park Apartments

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

Total Monthly Cost $1,006 – $2,281
Base Rent $990 – $2,265
Required Monthly Fees $0
Est. Renters Insurance $16/mo

Renters Insurance at Parkland at Orange Park Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Parkland at Orange Park Apartments can push your insurance cost up or down:

Older Building

Built in 1988 — older plumbing/electrical may increase risk

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: 541/100K (66% below 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 Parkland at Orange Park 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 Parkland at Orange Park 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 Orange Park.

541 per 100K residents

Property crime rate in Orange Park

-66% below national average (1,578/100K)

Breakdown per 100K residents

Burglary88 (nat. 200)
Larceny / theft453 (nat. 1,172)

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. Parkland at Orange Park Apartments also has on-site security features (Package service) that insurers recognize with discounts.

Source: FBI UCR Program, Orange Park (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
Water Intrusion (pipes, sewage) Mentioned

On-Site Security

Package service

Flood Risk

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

$450

Dog Rent

Charged per pet.

$30 / mo

Cat Fee

Charged per pet.

$450

Cat Rent

Charged per pet.

$30 / mo

Amenities

Special Features

Fire Pit + Seating Area GameTime Court Large Screened Porches Preferred Employer Perks RentPlus Spanish Speaking Staff The Splash & Serenity Pools The Wellness Studio Upgraded Black Appliances

Community Features

Lounge Walk-Up Grill Fitness Center Pool Playground

Floor Plan Amenities

Washer/Dryer Hookup Air Conditioning Ceiling Fans Cable Ready Fireplace Dishwasher Disposal Microwave Walk-In Closets Window Coverings Patio Porch

Pet Policy

Bringing a pet? Here's what Parkland at Orange Park 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

  • $30 Monthly Pet Rent
  • $450 Fee
  • 50 lb Weight Limit
  • 2 Pet Limit

About Parkland at Orange Park Apartments

Welcome to our beautiful apartment community located in Orange Park, FL! We've designed every detail in and around our one, two, and three-bedroom apartments for comfort and convenience. Our homes are filled with ideal features, including spacious interiors, vaulted ceilings, skylights, fireplaces, screened-in patio/balcony, extra storage, and more! As a resident of Parkland at Orange Park, you'll be able to relax at two sparkling resort-style swimming pools with fire pit lounge areas, enjoy our quality fitness center offering yoga and cycling rooms, and use our fun kid's room.

Year Built: 1988
Stories: 2
Total Units: 358
Phone: (904) 932-9469

Other Options Nearby

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

Frequently Asked Questions

Does Parkland at Orange Park Apartments require renters insurance?
We didn't find a public insurance requirement for Parkland at Orange Park 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 Parkland at Orange Park 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 Parkland at Orange Park Apartments?
Plan for $1,006 to $2,281/month all-in. That's base rent ($990 - $2,265), 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 Parkland at Orange Park Apartments allow pets?
Yes, Parkland at Orange Park Apartments is pet-friendly. Here are the details: Cats and Dogs Allowed. $30 Monthly Pet Rent. $450 Fee. 50 lb Weight Limit. 2 Pet Limit. 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 Parkland at Orange Park Apartments?
Property crime in Orange Park is well below the national average — 541 per 100,000 residents versus 1578 nationwide. 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 88/100K here. On the property itself, you'll find package service — features that can qualify for premium discounts.
What floor plans does Parkland at Orange Park Apartments offer?
There are 6 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $990 - $2,265. 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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