Reserve at Nocatee Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Reserve at Nocatee Apartments in Nocatee? Rent here runs $1,498 – $2,334, and renters insurance adds about $14/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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215 Hunters Lake Way, Ponte Vedra, FL 32081

Nocatee

Built 2020 3 stories 244 units
4/5 ·189 reviews Google
5/5 ·9 reviews Apt. Finder
$1,498 – $2,334 /month

Monthly Cost Breakdown at Reserve at Nocatee Apartments

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

Total Monthly Cost $1,644 – $2,480
Base Rent $1,498 – $2,334
Required Monthly Fees $132
Est. Renters Insurance $14/mo

Renters Insurance at Reserve at Nocatee Apartments

What Affects Your Premium Here

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

Controlled Access

Electronic/key fob entry — reduces unauthorized entry risk

Pest Issues

3 mentions in Google reviews

FEMA Flood Zone

Zone X — minimal flood risk

What You'll Likely Pay

$14

Est. Monthly

$172

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 Reserve at Nocatee Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$30,000 recommended

If you own less

$20,000

If you own more

$50,000

Liability

Covers accidental harm & lawsuits

$100,000 recommended

Standard minimum for most lease requirements in Florida. Cats present minimal liability risk vs dogs.

How Carriers Compare for This Area

Not all carriers price the same zip code equally. Here's how the major options stack up near Reserve at Nocatee Apartments:

Carrier Monthly Annual
Lemonade $9/mo $107/yr
USAA $10/mo $120/yr
State Farm $13/mo $160/yr
Progressive $14/mo $174/yr
Safeco $14/mo $174/yr
Travelers $16/mo $187/yr
Allstate $17/mo $200/yr
Nationwide $17/mo $200/yr
Farmers $18/mo $214/yr
Liberty Mutual $20/mo $240/yr

Discounts You May Qualify For

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

Next Step

See if you can beat $14/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 Ponte Vedra.

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.

Pest Issues Common topic

On-Site Security

Controlled access Property manager on site Package lockers Covered parking

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Reserve at Nocatee 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 Reserve at Nocatee Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Package Locker

Charged per unit.

$12 / mo

Utility-Trash Door to Door

Charged per unit.

$30 / mo

Utility - Trash Rebill - Door To Door PU

Charged per unit.

$30 / mo

Pest Control

Charged per unit.

$6 / mo

Utility - Admin Fee

Charged per unit.

$6 / mo

Utility - Pest Control Rebill - Income

Charged per unit.

$6 / mo

Admin Service Fee

Charged per unit.

$6 / mo

Administrative Fees

Charged per unit.

$265

Application Fees

Charged per applicant.

$80

Utility - Admin Fee

Charged per unit.

$20

Pets Fees

One-Time Pet Fee

Max of 2. Charged per pet.

$350

Monthly Pet Fee

Max of 2. Charged per pet.

$25 / mo

Parking Fees

Parking Fee

Charged per vehicle.

$275 / mo

Addons Fees

Storage

Charged per unit.

$55 / mo

Situational Fees

Utility-Admin Fee Set Up

Charged per unit.

$25

Utility - Admin Set Up Fee

Charged per unit.

$25

Amenities

Special Features

Modern 42" Cabinets Private Balconies Granite Countertops Attached and Detached Garages Available Other USB Ports in Kitchen Islands Wood/Vinyl Flooring Cornhole Resort Fee Upscale Kitchens Stainless Steel Appliances Garden-Style Apartment Homes

Community Features

Wi-Fi Maintenance on site Pet Play Area Key Fob Entry Business Center Clubhouse Lounge Multi Use Room Walk-Up Sundeck Courtyard Grill Fitness Center

Floor Plan Amenities

Washer/Dryer Air Conditioning Dishwasher Disposal Ice Maker Granite Countertops Stainless Steel Appliances Island Kitchen Microwave Oven Refrigerator Freezer Vinyl Flooring

Pet Policy

Bringing a pet? Here's what Reserve at Nocatee Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.

Cats Allowed

  • $25 Monthly Pet Rent
  • $350 Fee
  • 50 lb Weight Limit
  • 2 Pet Limit

About Reserve at Nocatee Apartments

Welcome to The Reserve at Nocatee Apartments. Our Nocatee apartments offer first-class one bedroom, two bedroom, and three bedroom layouts with luxury amenities designed to enhance your life. Each kitchen features granite countertops, stainless steel appliances, modern 42" cabinetry, and USB ports in the kitchen island for convenience. Our resort-style community amenities include a resident clubroom, a state-of-the-art fitness center, a beach-entry pool with a summer kitchen, a dog park with a dog wash, and a bike care facility.

Year Built: 2020
Stories: 3
Total Units: 244
Phone: (904) 567-0580

Other Options Nearby

Still weighing your choices? Other communities in Ponte Vedra — compare rent and estimated insurance cost side by side.

Frequently Asked Questions

Does Reserve at Nocatee Apartments require renters insurance?
We didn't find a public insurance requirement for Reserve at Nocatee 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 Reserve at Nocatee Apartments?
For this zip code and building type, expect to pay around $14/month ($172/year). For context, the statewide average is $16/month, so this building is below average.
What will I actually pay per month at Reserve at Nocatee Apartments?
Plan for $1,644 to $2,480/month all-in. That's base rent ($1,498 – $2,334), plus $132/month in required fees (trash, utilities, etc.), plus roughly $14/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Reserve at Nocatee Apartments allow pets?
Yes, Reserve at Nocatee Apartments is pet-friendly. Here are the details: Cats Allowed. $25 Monthly Pet Rent. $350 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.
What floor plans does Reserve at Nocatee Apartments offer?
There are 6 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,498 – $2,334. 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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