San Marco Promenade Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 14, 2026

Thinking about renting at San Marco Promenade Apartments in San Marco? Rent here runs $1,209 - $2,599, 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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1905 Promenade Way, Jacksonville, FL 32207

San Marco

Built 2019 4 stories 284 units
3.9/5 ·196 reviews Google
5/5 ·8 reviews Apt. Finder
$1,209 - $2,599 /month

Monthly Cost Breakdown at San Marco Promenade Apartments

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

Total Monthly Cost $1,723 – $3,113
Base Rent $1,209 – $2,599
Required Monthly Fees $500
Est. Renters Insurance $14/mo

Renters Insurance at San Marco Promenade Apartments

Accepted Insurance Providers

San Marco Promenade Apartments accepts policies from these carriers — though most standard renters insurance companies will be fine. If you already have a policy, check if your carrier is on the list.

Kin

From the San Marco Promenade Apartments Website

BREED RESTRICTIONS: EXCLUDED DOG BREEDS INCLUDE AKITA, ALASKAN MALAMUTE, AMERICAN BULL DOG, AMERICAN PIT BULL TERRIER, AMERICAN OR BULL STAFFORDSHIRE TERRIER, BULLMASTIFF, BULL TERRIER, CHINESE SHAR-PEI, DALMATIAN, DOBERMAN PINSCHER, PRESA CANARIO, PIT BULL, ROTTWEILER, SIBERIAN HUSKY, STAFFORD TERRIER, CHOW, GERMAN SHEPHERD AND ANY MIX THEREOF. LETTER REQUIRED BY CERTIFIED VETERINARIAN FOR PROOF OF BREED, WEIGHT, AND REQUIRED VACCINATIONS.

What Affects Your Premium Here

Every building is different. These factors specific to San Marco Promenade Apartments can push your insurance cost up or down:

Gated Community

Gated access reduces theft risk — may qualify for security discount

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

AreaVibes

Crime grade: C

NeighborhoodScout

Safer than only 6% of US cities

What You'll Likely Pay

$14

Est. Monthly

$163

Est. Annual

$13

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 San Marco Promenade Apartments based on the rent level and building features.

Personal Property Coverage

$50,000 recommended
Low: $30,000 High: $75,000

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 San Marco Promenade 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

Gated community
-5%
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 $13/mo

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

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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 San Marco Promenade 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: San Marco Promenade Apartments has on-site security features (Package service, Controlled access, Gated) 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.

Pest Issues Common topic
Noise Mentioned
Water Damage Mentioned
Fire Mentioned
Maintenance Issues Mentioned

On-Site Security

Package service Controlled access Gated

Flood Risk

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

Required Fees

Hospitality Fee

Monthly Hospitality Fee of $125. Includes 1G internet, smarthome technology, valet trash, package room access. Charged per unit.

$125 / mo

Application Fee (Per Applicant)

Charged per applicant.

$75

Application Fee Per Applicant

Charged per applicant.

$85

Administrative Fee

Charged per unit.

$250

Pets Fees

One-Time Pet Fee

Max of 2. Charged per pet.

$0

Pet Deposit

Max of 2. Charged per pet.

$0

Monthly Pet Fee

Max of 2. Charged per pet.

$25 / mo

Parking Fees

Parking Fee

Charged per vehicle.

$0 / mo

Surface Lot

Open parking. Reserved parking and garages available for an additional monthly cost.

Amenities

Community Features

24 Hour Access Pet Play Area Elevator Business Center Clubhouse Lounge Conference Rooms Courtyard Fitness Center Pool Bicycle Storage

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Air Conditioning Ceiling Fans Granite Countertops Stainless Steel Appliances Kitchen Hardwood Floors

Pet Policy

Bringing a pet? Here's what San Marco Promenade 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 Allowed

  • $25 Monthly Pet Rent
  • 2 Pet Limit

About San Marco Promenade Apartments

Welcome to San Marco Promenade, where your dream lifestyle awaits. Our one, two, and three-bedroom apartments in Jacksonville, FL, are designed to fit any lifestyle, offering features like in-home washers and dryers, gourmet kitchens, and spa-inspired bathrooms. Enjoy resort-style amenities, including a swimming pool and pet park, and explore the best of Jacksonville with Downtown just minutes away. Schedule your tour today and find your perfect home at San Marco Promenade!

Year Built: 2019
Stories: 4
Total Units: 284
Phone: (904) 664-4367

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 San Marco Promenade Apartments require renters insurance?
We didn't find a public insurance requirement for San Marco Promenade 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 San Marco Promenade Apartments?
For this zip code and building type, expect to pay around $14/month ($163/year). San Marco Promenade Apartments has security features that qualify for discounts — with those applied, you could pay as little as $13/month. For context, the statewide average is $16/month, so this building is below average.
What will I actually pay per month at San Marco Promenade Apartments?
Plan for $1,723 to $3,113/month all-in. That's base rent ($1,209 - $2,599), plus $500/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 San Marco Promenade Apartments allow pets?
Yes, San Marco Promenade Apartments is pet-friendly. Here are the details: Cats Allowed. $25 Monthly Pet Rent. 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 San Marco Promenade 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 service, controlled access, gated — features that can also qualify you for insurance discounts.
What floor plans does San Marco Promenade Apartments offer?
There are 18 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,209 - $2,599. 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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