Seaboard Oaks Apartments: Renters Insurance Guide & What It Actually Costs

Monthly Cost Breakdown at Seaboard Oaks Apartments

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

Renters Insurance at Seaboard Oaks Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Seaboard Oaks Apartments can push your insurance cost up or down:

What You'll Likely Pay

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 Seaboard Oaks Apartments based on the rent level and building features.

How Carriers Compare for This Area

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

Discounts You May Qualify For

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.

Higher-than-average property crime is why insurance carriers charge more in this zip code — your premium reflects the claims frequency for the area.

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

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.

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Seaboard Oaks Apartments.

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 Seaboard Oaks Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Amenities

Special Features

Community Features

Floor Plan Amenities

Pet Policy

Bringing a pet? Here's what Seaboard Oaks 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

• $15 Monthly Pet Rent
• $300 Fee
• 2 Pet Limit
• $20 Monthly Pet Rent
• 25 lb Weight Limit

About Seaboard Oaks Apartments

Seaboard Oaks Apartments are located in a park-like setting under a canopy of giant oak trees. All 2 bedroom apartments have been remodeled and feature vinyl plank floors in the living areas and berber carpet in the bedrooms. There are ceiling fans in the bedrooms and units are wired for high-speed internet and cable. Full-size washer/dryer connections in every apartment. Apartments have private entrances and each building has a private parking lot. Kitchens are fully equipped with frost-free refrigerators, garbage disposals, and microwave ovens. Double pane glass windows and new high-efficiency air conditioning/heat pumps have been installed in all units.

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