The Commons Apartments: Renters Insurance Guide & What It Actually Costs

Monthly Cost Breakdown at The Commons Apartments

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

Renters Insurance at The Commons Apartments

What Affects Your Premium Here

Every building is different. These factors specific to The Commons 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 The Commons 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 The Commons 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. The Commons Apartments also has on-site security features (Property manager on site) that insurers recognize with discounts.

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.

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

Required Fees

Amenities

Community Features

Floor Plan Amenities

Pet Policy

Bringing a pet? Here's what The Commons 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

• $25 Monthly Pet Rent
• $300 Fee

About The Commons Apartments

The Commons Jacksonville is an apartment community with 38 buildings over 14 landscaped acres. Each home lives like part of the neighborhood. Being conveniently located in the middle of Jacksonville is just one of the many unique offerings The Commons features. We’re excited to redefine what Jacksonville living is all about with our apartments that have large, suburban size rooms and tons of open green space right outside your windows. Plus, our Common Space amenities have been updated to be useful and enjoyed by all. With 1, 2 and 3-bedroom apartments to choose from, we’re here to help you find the right fit for your lifestyle and budget. *This starting rent price is based off of a monthly rent with a concession. Additional terms and conditions may apply. The Commons is all about spacious, livable apartments. Our units feature thoughtful upgrades to help you make the most of your Commons apartment. From modern kitchen layouts with 42” white cabinets and stainless-steel appliances, to bright, energy efficient lighting, sunny windows and modern gray floors, we’ve thought of everything to help you feel right at home in 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.

Frequently Asked Questions