Renters Insurance at The Marley at Trout River Apartments
We found a few insurance details on the The Marley at Trout River Apartments website. Your lease may have additional requirements — treat these as a starting point.
Lease Requirements
* An "interested party" is the property management company listed on your insurance policy. It doesn't give them any claim rights — it just means they get notified if your policy lapses, which is how the leasing office verifies you stay insured.
One thing to watch for: when you purchase your policy, most carriers have a field where you add the property as an interested party — skip that step and your proof may get rejected. It takes 30 seconds during checkout. Start a quote to see which carriers handle this automatically.
What Affects Your Premium Here
Every building is different. These factors specific to The Marley at Trout River 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
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 2168/100K (37% above national average)
What You'll Likely Pay
$20
Est. Monthly
$237
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 The Marley at Trout River 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
Pool on premises — higher liability recommended for accidents at shared amenities
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 Marley at Trout River Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $10/mo | $118/yr |
| USAA | $11/mo | $132/yr |
| State Farm | $15/mo | $176/yr |
| Progressive | $16/mo | $191/yr |
| Safeco | $16/mo | $191/yr |
| Travelers | $17/mo | $206/yr |
| Allstate | $18/mo | $220/yr |
| Nationwide | $18/mo | $220/yr |
| Farmers | $20/mo | $235/yr |
| Liberty Mutual | $22/mo | $264/yr |
Discounts You May Qualify For
Next Step
See if you can beat $20/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 Sheriff's Office.
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. The Marley at Trout River 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.
What residents talk about most
Management
Consistently positive in reviews
“She goes above and beyond for her tenants and truly leads with heart.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
Renters at this address have one borderline natural-hazard decision to make: whether to buy an earthquake endorsement on top of a standard policy. USGS rates the area as moderate seismic hazard. Flood and severe weather aren't standout concerns. Below is what each agency actually shows.
Flood damage
FEMA's flood-zone classification for this address is low-risk, which means the federal government doesn't expect significant flooding here under typical conditions. A standard renters policy still excludes flood damage, but a separate flood policy is hard to justify economically when the underlying risk is low. The zone label is below for the record.
FEMA Zone X (0.2 Pct Annual Chance Flood Hazard In Coastal Zone) — 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.
Earthquake shaking
Damaging earthquakes happen here, but not often — USGS rates the area as moderate seismic hazard. A renters earthquake endorsement is inexpensive (typically under $100 a year) and worth weighing against the value of what's actually in your unit. The math leans toward 'add it' if you have high-value electronics, instruments, or art; 'skip it' for sparse furnishings.
Moderate seismic hazard · ground motion 0.05g
Endorsements priced for renters typically run under $100 a year and only cover personal property. Whether it pays back depends on the value of what's in your unit.
Hazard data from USGS National Seismic Hazard Model. The ground-motion figure is the level USGS expects to be exceeded with about 2% probability over a 50-year horizon — the standard reference used in building codes.
Severe weather you'd actually claim for
NOAA's records put Duval County squarely in severe-weather territory: roughly 27 severe-weather events a year on average over the past five years. Unlike flood and earthquake, this is the kind of damage a standard renters policy is built for — wind, hail, lightning, and storm-driven water from a damaged roof are all covered. The historical breakdown is below.
Severe-weather damage to personal belongings is covered without an endorsement on every standard renters policy. The frequency above is part of why carrying the coverage matters here, not a reason to add anything extra.
Source: NOAA Storm Events Database, annual averages from the past five years for Duval County. Counts reflect reported events, not damage amounts.
The earthquake endorsement is the only meaningful optional add-on at this kind of address. Whether it's worth the premium depends on what's actually in your unit.
800-900 Broward Rd, Jacksonville, FL 32218
North Side
Monthly Cost Breakdown at The Marley at Trout River Apartments
The listed rent isn't the whole number. Here's what The Marley at Trout River Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at The Marley at Trout River Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Trash
Utility Billing - Trash Billback Charged per unit.
Sewer
Utility Billing - Sewer Billback Charged per unit.
Stormwater
Utility Billing - Stormwater Billback Charged per unit.
Water
Utility Billing - Water Billback Charged per unit.
Monthly Billing Fee
Utility Billing - Monthly Administrative Billing Fee Charge d per unit.
Application Fee Per Applicant
Charged per applicant.
Administrative Fee
Charged per unit.
Pets Fees
Dog Fee
Charged per pet.
Dog Rent
Charged per pet.
Cat Fee
Charged per pet.
Cat Rent
Charged per pet.
Pet Fee
Charged per pet.
What's Within Reach
Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around The Marley at Trout River Apartments.
Grocery
- Whole Foods Market 4.4
- Southern Steer Butcher Atlantic Beach 4.9
- Publix Super Market at Highland Square 4.2
Pharmacy
- CVS Pharmacy 4.2
- Duval Pharmacy 4.9
- CVS Pharmacy 3.6
Hospital
- HCA Florida Memorial Hospital Emergency Room 3.9
- Baptist & Wolfson North Emergency Room (ER) 4.8
- UF Health Jacksonville Emergency Room 2.2
Gym
- Orangetheory Fitness 4.3
- Chuze Fitness 4.3
- North Jax CrossFit - Personal Training and Group Training Gym in Jacksonville Florida 4.9
Restaurant
- Gyro 365 4.7
- Junior's Seafood Restaurant and Grill 4.5
- Chef Love Sol Cuisine 4.6
Park
- The Marley at Trout River Apartments 4.1
- Riverview Park 4.3
- Breakwater Studios 4.5
Bank
- Bank of America (with Drive-thru ATM) 2.4
- Bank of America ATM (Drive-thru) 5.0
- Breakwater Studios 4.5
Gas
- Circle K 3.8
Pet Policy
Bringing a pet? Here's what The Marley at Trout River Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About The Marley at Trout River Apartments
From the property listing:
Discover The Marley at Trout River, where riverfront views and modern comforts await. Choose from spacious floor plans with central air, private entrances, and fully equipped kitchens. Enjoy wood burning fireplaces, large patios or balconies, and ample closet space. Dive into our pools, play volleyball, or relax at the playground. Convenient laundry facilities and access to a public boat ramp add to the ease.
Frequently Asked Questions
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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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