Saddle Brook Landings Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 12, 2026

Thinking about renting at Saddle Brook Landings Apartments in West Side? Rent here runs $1,295 - $1,945, 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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3037 John Hancock Ct, Jacksonville, FL 32221

West Side

Built 1978 3 stories 345 units
4.1/5 ·170 reviews Google
4/5
$1,295 - $1,945 /month

Monthly Cost Breakdown at Saddle Brook Landings Apartments

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

Total Monthly Cost $1,311 – $1,961
Base Rent $1,295 – $1,945
Required Monthly Fees $0
Est. Renters Insurance $16/mo

Renters Insurance at Saddle Brook Landings Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Saddle Brook Landings Apartments can push your insurance cost up or down:

Older Building

Built in 1978 — older plumbing/electrical may increase risk

Open Access

No gated or controlled access — higher theft exposure

Dog-Friendly

Dogs allowed — consider higher liability coverage

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

$16

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 Saddle Brook Landings Apartments based on the rent level and building features.

Personal Property Coverage

$40,000 recommended
Low: $20,000 High: $60,000

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 Saddle Brook Landings 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

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.

Compare Quotes Free · No account required

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 Saddle Brook Landings 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: Saddle Brook Landings Apartments has on-site security features (Package lockers) that insurers recognize with premium discounts.

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.

Maintenance Issues Common topic
3×

On-Site Security

Package lockers

Flood Risk

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

Required Fees

Application Fee Per Applicant

Non- Refundable Charged per applicant.

$60

Administrative Fee

Non- Refundable Charged per unit.

$150

Parking Fees

Other

Amenities

Special Features

Central Heat and Air Conditioning Online Service Requests Pets Welcome - No Weight Limit! Private Driveways and Garages Professional Management Team Gas Cooking Online Rent Payment Option Playgrounds Spacious Floor Plans On-site Dog Park Stainless Appliances All Utilities Included Fully Equipped Kitchens In Home Washer and Dryer Included Large Walk-in Closets 24 Hour Emergency Service Private Balcony Screened Porches Sidewalk Lined Streets Window Treatments Included Active Duty Military Discounts Cable/Internet Ready Off Street Parking Professionally Landscaped Swimming Pool Electric Vehicle Charging Station Package/Parcel Acceptance

Community Features

Maintenance on site Online Services Car Charging Station Fitness Center Pool Playground Basketball Court Gas Range

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Trash Compactor Storage Space Double Vanities Tub/Shower Handrails Dishwasher Disposal Ice Maker Granite Countertops Stainless Steel Appliances Kitchen Microwave Oven Range Refrigerator Freezer Hardwood Floors Carpet Vinyl Flooring Dining Room Family Room Walk-In Closets Linen Closet Window Coverings Balcony Patio Porch

Pet Policy

Bringing a pet? Here's what Saddle Brook Landings 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

  • 2 Pet Limit

About Saddle Brook Landings Apartments

Saddle Brook Landings features 2 bedroom apartments and 3 & 4 bedroom townhomes in a tree-lined country setting that allows you to make your home in a peaceful retreat that is convenient to everything the Jacksonville region has to offer. Community amenities include an on-site pool, fitness center, dog park and playground.

Year Built: 1978
Stories: 3
Total Units: 345
Phone: (904) 474-5832

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.

10143 Meadow Point Dr Rental

West Side

$2,395 Ins: ~$14/mo
Moderate Risk

10495 McGirts Creek Dr Rental

West Side

$2,535 Ins: ~$14/mo
Moderate Risk

10769 Las Colinas Way Rental

West Side

$2,145 Ins: ~$14/mo
Moderate Risk

11412 Brian Lakes Dr N Rental

West Side

$1,860 Ins: ~$14/mo
Moderate Risk

11633 Brian Lakes Dr N Rental

West Side

$1,875 Ins: ~$14/mo
Moderate Risk

11829 Parker Lakes Drive Rental

West Side

$2,260 Ins: ~$14/mo
Moderate Risk

Frequently Asked Questions

Does Saddle Brook Landings Apartments require renters insurance?
We didn't find a public insurance requirement for Saddle Brook Landings 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 Saddle Brook Landings Apartments?
For this zip code and building type, expect to pay around $16/month ($193/year). For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at Saddle Brook Landings Apartments?
Plan for $1,311 to $1,961/month all-in. That's base rent ($1,295 - $1,945), 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 Saddle Brook Landings Apartments allow pets?
Yes, Saddle Brook Landings Apartments is pet-friendly. Here are the details: Cats and Dogs Allowed. 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 Saddle Brook Landings 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 package lockers — features that can also qualify you for insurance discounts.
What floor plans does Saddle Brook Landings Apartments offer?
There are 6 floor plans to choose from, spanning 2-bedroom, 3-bedroom, 4-bedroom layouts. Rent ranges from $1,295 - $1,945. 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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