11990 Beach Blvd, Jacksonville, FL 32246
Southside
Monthly Cost Breakdown at Sands on Beach Apartments
The listed rent isn't the whole number. Here's what Sands on Beach Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Sands on Beach Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Sands on Beach Apartments can push your insurance cost up or down:
Older Building
Built in 1974 — 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
FBI UCR
Property crime rate: 2168/100K (37% above national average)
What You'll Likely Pay
$18
Est. Monthly
$215
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 Sands on Beach Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$15,000
If you own more
$40,000
Liability
Covers accidental harm & lawsuits
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 Sands on Beach 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
Next Step
See if you can beat $18/mo
4 discounts may apply here. Real quotes show your actual price — estimates can't.
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.
Jacksonville property crime rate
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
U.S. average
Higher-than-average property crime is why insurance carriers charge more in this zip code — your premium reflects the claims frequency for the area. Sands on Beach Apartments also has on-site security features (Package service, Property manager on site) that insurers recognize with discounts.
Source: FBI UCR Program, Jacksonville Sheriff's Office (2024-12 to 2025-11)
On-Site Security
Flood Risk
Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Sands on Beach 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 Sands on Beach Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Trash Reimb
Trash Reimb Charged per unit.
Deposit Waiver Min
Approved Monthly Deposit Insurance Coverage Charged per unit
PEST
PEST Charged per unit.
Conservice Monthly Billing Fee
Conservice Monthly Billing Fee Charged per unit.
Application Fee
Online Application Fee Charged per applicant.
Pets Fees
Pet Fees Or Charges
Pet Fees Or Charges -Dog Charged per pet.
Parking Fees
Carport - Parking
Carport - Parking Charged per vehicle.
Covered
Assigned Parking is available.
Addons Fees
Administrative Fees
Online Adminstrative Fees Charged per unit.
AssetProtect
Renters Insurance Coverage Charged per unit.
Deposit Waiver Max
Conditionally Approved Monthly Deposit Insurance Coverage Charged per unit.
Credit Card Payment Processing Fee
Can Be Avoided By Using ECheck Payment Method. Charged per unit.
Situational Fees
Conservice New Utility Account Set Up Fee
Conservice New Utility Account Set Up Fee Charged per unit.
NSF Fee
Insufficient Funds Fee Charged per unit.
Late Fee
Late Fee Charged per unit.
Month To Month Charges
Month To Month Charges Charged per unit.
Insurance Violation Fee
Insurance Compliance Charged per unit.
Lease Violation Fee
Trash, Grills, and Patio Violations Charged per unit.
Transfer Fee
Transfer Fee Charged per unit.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Sands on Beach 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.
About Sands on Beach Apartments
From the property listing:
Renovated interiors to include granite counters, stainless steel appliances, wood-look flooring throughout (no carpet); minutes from The Town Center, Jacksonville Beach, Florida State College South, University of N Florida and Downtown Jacksonville.
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.
10717 Coleman Rd Rental
Southside
11159 Wethersfield Ct Rental
Southside
11774 Mountain Ash Rd E Rental
Southside
11836 Lake Fern Dr Rental
Southside
11989 Collins Creek Dr Rental
Southside
12407 Hatton Chase Ln E Rental
Southside
Frequently Asked Questions
Does Sands on Beach Apartments require renters insurance?
How much is renters insurance at Sands on Beach Apartments?
What will I actually pay per month at Sands on Beach Apartments?
Does Sands on Beach Apartments allow pets?
How safe is the area around Sands on Beach Apartments?
What floor plans does Sands on Beach Apartments offer?
Get Renters Insurance for Sands on Beach Apartments
See how much you could save on renters insurance
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.
SafeButler Inc. strives to ensure that the information on this site is up to date, but we will not be held liable for any delays, inaccuracies, errors, or omissions. This site and all materials contained on it are distributed and provided "as is" and "as available" for use. SafeButler.com makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.