Terraces at Town Center Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 12, 2026

Thinking about renting at Terraces at Town Center Apartments in Southside? Rent here runs $1,410 - $2,338, 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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5140 Gate Pky N, Jacksonville, FL 32256

Southside

Managed by StoneRiver Property Management Built 2013 3 stories 240 units
3.7/5 ·148 reviews Google
5/5 ·30 reviews
$1,410 - $2,338 /month

Monthly Cost Breakdown at Terraces at Town Center Apartments

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

Total Monthly Cost $1,424 – $2,352
Base Rent $1,410 – $2,338
Required Monthly Fees $0
Est. Renters Insurance $14/mo

Renters Insurance at Terraces at Town Center Apartments

What Affects Your Premium Here

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

Controlled Access

Electronic/key fob entry — reduces unauthorized entry risk

Pest Issues

4 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

$168

Est. Annual

$13

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 Terraces at Town Center 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 Terraces at Town Center 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

Controlled access
-3%
Sprinkler system
-5%
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 Terraces at Town Center 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: Terraces at Town Center Apartments has on-site security features (Package service, Controlled access, Sprinklers, Perimeter fencing) 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
4×
Maintenance Issues Common topic
3×
Noise Mentioned
2×
Slip/Fall Hazards Mentioned
1×

On-Site Security

Package service Controlled access Sprinklers Perimeter fencing

Flood Risk

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

Required Fees

Application Fee Per Applicant

Charged per applicant.

$75

Administrative Fee

Charged per unit.

$250

Pets Fees

Dog Fee

Charged per pet.

$400

Dog Rent

Charged per pet.

$25 / mo

Cat Fee

Charged per pet.

$400

Cat Rent

Charged per pet.

$25 / mo

Amenities

Special Features

Control Access Gate Wood-Inspired Flooring Built-In Computer Desk* Pet Park Complimentary Towel Service Garden Tubs Lakeside Seating AT&T Fiber Optic & Cable Ready Homes Attached and Detached Garages Available Lake & Poolside Views* Washer & Dryer Included 9-ft Ceilings Energy-Efficient Appliances Large Patio/Balcony Upgrade Storage Units Available 24 Hour Paw Spa Outdoor patio with fireplace Shuffle board Tile Backsplash Fenced-In Backyards* Night Patrol Pet friendly community with dog park Sleek French Doors* Outdoor Fire Pit Outdoor Kitchen with Gas Grills Private Screened in Balcony or Patio Washer & Dryer Included in Every Residence

Community Features

Maintenance on site Recycling Business Center Clubhouse Lounge Walk-Up Grill Fitness Center Pool

Floor Plan Amenities

Washer/Dryer Air Conditioning Heating Ceiling Fans Cable Ready Trash Compactor Storage Space Double Vanities Tub/Shower Fireplace Sprinkler System Dishwasher Disposal Ice Maker Pantry Island Kitchen Kitchen Microwave Oven Range Refrigerator Freezer Walk-In Closets Balcony Patio

Pet Policy

Bringing a pet? Here's what Terraces at Town Center 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
  • $400 Fee
  • 2 Pet Limit

About Terraces at Town Center Apartments

Find your calm in the middle of it all at Terraces at Town Center, where lakeside serenity meets everyday convenience. These renovated apartments in Deerwood, Jacksonville, FL, offer more than just a place to livethey create space to breathe. Nestled just minutes from St. Johns Town Center and a short drive from downtown, our community blends lush, walkable surroundings with thoughtful design and just the right touch of luxury. Were talking a resort-style pool, a fitness center, and many more hotel-inspired amenities and services. Whether you're starting fresh or looking to slow things down, you'll feel at home right away!

Year Built: 2013
Stories: 3
Total Units: 240
Management: StoneRiver Property Management
Phone: (904) 746-1231

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.

10717 Coleman Rd Rental

Southside

$2,375 Ins: ~$14/mo
Moderate Risk

11159 Wethersfield Ct Rental

Southside

$2,285 Ins: ~$14/mo
Moderate Risk

11774 Mountain Ash Rd E Rental

Southside

$2,325 Ins: ~$14/mo
Moderate Risk

11836 Lake Fern Dr Rental

Southside

$2,799 Ins: ~$14/mo
Moderate Risk

11989 Collins Creek Dr Rental

Southside

$2,549 Ins: ~$14/mo
Moderate Risk

12407 Hatton Chase Ln E Rental

Southside

$2,345 Ins: ~$14/mo
Moderate Risk

Frequently Asked Questions

Does Terraces at Town Center Apartments require renters insurance?
We didn't find a public insurance requirement for Terraces at Town Center 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 Terraces at Town Center Apartments?
For this zip code and building type, expect to pay around $14/month ($168/year). Terraces at Town Center 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 $14/month, so this building is right around average.
What will I actually pay per month at Terraces at Town Center Apartments?
Plan for $1,424 to $2,352/month all-in. That's base rent ($1,410 - $2,338), 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 Terraces at Town Center Apartments allow pets?
Yes, Terraces at Town Center Apartments is pet-friendly. Here are the details: Cats Allowed. $25 Monthly Pet Rent. $400 Fee. 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 Terraces at Town Center 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, sprinklers, perimeter fencing — features that can also qualify you for insurance discounts.
What floor plans does Terraces at Town Center Apartments offer?
There are 16 floor plans to choose from, spanning 1-bedroom, 2-bedroom layouts. Rent ranges from $1,410 - $2,338. 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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