Pointe Parc at St. Johns Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Pointe Parc at St. Johns Apartments in Southside? Rent here runs $875 - $1,350, 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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7524 Southside Blvd, Jacksonville, FL 32256

Southside

Built 1985 2 stories 360 units
4/5 ·41 reviews Apt. Finder
$875 - $1,350 /month

Monthly Cost Breakdown at Pointe Parc at St. Johns Apartments

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

Total Monthly Cost $891 – $1,366
Base Rent $875 – $1,350
Required Monthly Fees $0
Est. Renters Insurance $16/mo

Renters Insurance at Pointe Parc at St. Johns Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Pointe Parc at St. Johns 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

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

$15

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 Pointe Parc at St. Johns Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$30,000 recommended

If you own less

$15,000

If you own more

$50,000

Liability

Covers accidental harm & lawsuits

$300,000 recommended

Pool on premises — higher liability recommended for accidents at shared amenities

How Carriers Compare for This Area

Not all carriers price the same zip code equally. Here's how the major options stack up near Pointe Parc at St. Johns 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

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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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. Pointe Parc at St. Johns Apartments also has on-site security features (Package service, Property manager on site, Doorman, Sprinklers) that insurers recognize with discounts.

Source: FBI UCR Program, Jacksonville Sheriff's Office (2024-12 to 2025-11)

On-Site Security

Package service Property manager on site Doorman 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 Pointe Parc at St. Johns 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 Pointe Parc at St. Johns 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.

$80

Amenity Fee - One Bedroom

One Bedroom Fee - Water/Sewer/Utility Admin Fee/Pest Control/Trash/ Valet Trash/ Locker Charged per unit.

$137

Administrative Fee

Charged per unit.

$150

Amenity Fee - Two Bedroom

Two Bedroom Fee - Water/Sewer/Utility Admin Fee/Pest Control/Trash/ Valet Trash/ Locker Charged per unit.

$153

Security Deposit

$500 Sec Dep OR enroll in Guarantors Charged per unit.

$500

Addons Fees

Pool/Lake View

Charged per unit.

$10 / mo

First Floor

Charged per unit.

$15 / mo

Situational Fees

On-Site Transfer Fee

Charged per occurrence.

$300 / occurence

Amenities

Special Features

Pond View Valet Trash Loft Screened Balcony Fireplace Screened Patio

Community Features

Laundry Facilities Maintenance on site Trash Pickup - Door to Door Recycling Renters Insurance Program Pet Play Area Pet Washing Station Car Wash Area Business Center Clubhouse Breakfast/Coffee Concierge Walk-Up Cabana Grill Pond Fitness Center Pool Racquetball Court

Floor Plan Amenities

Washer/Dryer Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Storage Space Tub/Shower Fireplace Sprinkler System Dishwasher Disposal Granite Countertops Stainless Steel Appliances Pantry Island Kitchen Kitchen Microwave Range Quartz Countertops Carpet Vinyl Flooring Dining Room High Ceilings Walk-In Closets Loft Layout Window Coverings Balcony Patio

About Pointe Parc at St. Johns Apartments

You’ll have easy living when you live at the Pointe Parc at St. Johns apartments in Jacksonville, FL. These beautiful one and two bedroom units are more than just apartments, they are places you will find it easy to call home. With resort style living in every aspect of the community you’ll want for nothing. Each unit features designer espresso kitchen cabinetry, refinished countertops, upgraded stainless steel appliances**, spacious bedrooms with walk-in closets, and gorgeous wood-style plank flooring** you’ll feel like you’re on vacation every day of the year. At Pointe Parc, you find yourself in a close knit community with amenities chosen to bring you the ultimate in comfort at every turn. Whether you are a professional looking to get your job done or you’re a family looking for a place to bond you’ll find an outlet for everyone in the household, including your favorite four legged members. When it comes to comfort, you’ll have it easy at the Pointe Parc at St. Johns.

Year Built: 1985
Stories: 2
Total Units: 360
Phone: (904) 574-4772

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 Pointe Parc at St. Johns Apartments require renters insurance?
We didn't find a public insurance requirement for Pointe Parc at St. Johns 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 Pointe Parc at St. Johns Apartments?
For this zip code and building type, expect to pay around $16/month ($187/year). Pointe Parc at St. Johns 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 $16/month, so this building is right around average.
What will I actually pay per month at Pointe Parc at St. Johns Apartments?
Plan for $891 to $1,366/month all-in. That's base rent ($875 - $1,350), plus roughly $16/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
How safe is the area around Pointe Parc at St. Johns 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, doorman, sprinklers — features that can qualify for premium discounts.
What floor plans does Pointe Parc at St. Johns Apartments offer?
There are 9 floor plans to choose from, spanning 1-bedroom, 2-bedroom layouts. Rent ranges from $875 - $1,350. 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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