112 W Adams St, Jacksonville, FL 32202
Downtown Jacksonville
Monthly Cost Breakdown at The Residences at Barnett Apartments
The listed rent isn't the whole number. Here's what The Residences at Barnett Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at The Residences at Barnett Apartments
We found a few insurance details on The Residences at Barnett Apartments's 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 Residences at Barnett Apartments can push your insurance cost up or down:
Older Building
Built in 1926 — 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
$21
Est. Monthly
$255
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 Residences at Barnett 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
Standard minimum for most lease requirements in Florida
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 Residences at Barnett Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $11/mo | $134/yr |
| USAA | $13/mo | $150/yr |
| State Farm | $17/mo | $200/yr |
| Progressive | $18/mo | $217/yr |
| Safeco | $18/mo | $217/yr |
| Travelers | $19/mo | $234/yr |
| Allstate | $21/mo | $250/yr |
| Nationwide | $21/mo | $250/yr |
| Farmers | $22/mo | $267/yr |
| Liberty Mutual | $25/mo | $301/yr |
Discounts You May Qualify For
Next Step
See if you can beat $21/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. The Residences at Barnett 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)
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 Residences at Barnett 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 The Residences at Barnett 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.
Administrative Fee
Charged per unit.
Pets Fees
One-Time Pet Fee
Max of 2. Charged per pet.
Monthly Pet Fee
Max of 2. Charged per pet.
Parking Fees
Parking Deposit
Charged per vehicle.
Parking Fee
Charged per vehicle.
Addons Fees
Reservation/Holding Fee
Charged per unit.
Amenities
Community Features
Floor Plan Amenities
What's Within Reach
Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around The Residences at Barnett Apartments.
Pharmacy
- Capsule 4.5
- Walgreens Specialty Pharmacy 3.2
- Walgreens Specialty Pharmacy 4.8
Hospital
- Ascension St. Vincent's Emergency Care - Riverside 4.0
- Baptist Jacksonville Emergency Room (ER) 2.4
- UF Health Jacksonville Emergency Room 2.2
Restaurant
- Southern Steer Butcher Atlantic Beach 4.9
- Gyro 365 4.7
- bellwether 4.5
Park
- City of Jacksonville- Parks, Recreation, And Community Services 2.9
- James Weldon Johnson Park 4.3
- Jessie Ball DuPont Park 4.8
Bank
- Chase Bank 4.2
- Chase ATM 1.7
- Ameris Bank 4.9
Pet Policy
Bringing a pet? Here's what The Residences at Barnett 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 Residences at Barnett Apartments
From the property listing:
Everything old is new again at the historic Barnett Building following a two-year restoration of one of Jacksonville’s most prestigious addresses. The 18-story tower now features 107 loft-style residential apartments overlooking downtown Jacksonville and the St. Johns River. 14 unique 1- and 2-bedroom floor plans marry an urban character with the latest in contemporary living. Handsome finishes, spectacular views - both inside and out.
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.
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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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