Renters Insurance at The Villas at Dames Point Apartments
We found a few insurance details on the The Villas at Dames Point 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 Villas at Dames Point Apartments can push your insurance cost up or down:
Gated Community
Gated access reduces theft risk — may qualify for security discount
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
Security System Issues
1 mention of broken gates, cameras, or locks in reviews
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 2168/100K (37% above national average)
What You'll Likely Pay
$16
Est. Monthly
$187
Est. Annual
$14
With Discounts/mo
$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 Villas at Dames Point Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$20,000
If you own more
$50,000
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 Villas at Dames Point Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $9/mo | $107/yr |
| USAA | $10/mo | $120/yr |
| State Farm | $13/mo | $160/yr |
| Progressive | $14/mo | $174/yr |
| Safeco | $14/mo | $174/yr |
| Travelers | $16/mo | $187/yr |
| Allstate | $17/mo | $200/yr |
| Nationwide | $17/mo | $200/yr |
| Farmers | $18/mo | $214/yr |
| Liberty Mutual | $20/mo | $240/yr |
Discounts You May Qualify For
Next Step
See if you can beat $14/mo
6 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 Villas at Dames Point Apartments also has on-site security features (Controlled access, Gated, Perimeter fencing) 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
Maintenance
Consistently positive in reviews
“They cannot keep a maintenance team because she constantly disrespects them or talks to them any kind of way, especially if they are of a different race.” — Google reviewer
Management
Consistently positive in reviews
“You can tell she truly values the residents and goes above and beyond to help.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
The seismic picture at The Villas at Dames Point Apartments is moderate — damaging earthquakes are uncommon but not unheard of, and standard renters insurance excludes earthquake damage regardless of likelihood. Flood risk is low at this address. The decision worth weighing is whether to add an inexpensive earthquake endorsement or skip it; the rationale for each is below.
Flood damage
This address is in one of FEMA's lower flood-risk classifications. Standard renters policies don't cover flood damage anywhere, but in low-risk zones the cost of a separate NFIP policy generally isn't justified by the expected loss. The detail is below mostly for completeness.
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.
Earthquake shaking
The seismic picture is in the middle: damaging earthquakes are uncommon but not negligible. Renters insurance excludes earthquake damage regardless, so the choice is whether the modest cost of an endorsement is worth the modest probability of a payout. The data point below provides the specifics.
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
This is the part of the natural-hazard picture where renters insurance actually pays out. NOAA records around 27 severe-weather events a year in Duval County. Damage to personal property from wind, hail, and storms is covered by a baseline policy — the historical record below is more about understanding what your policy will actually be used for than identifying a coverage gap.
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.
This is the kind of address where the earthquake endorsement is a personal-preference call, not a clear-cut decision. Renters with valuable possessions usually add it; renters with mostly furniture and a laptop usually skip it.
8291 Dames Point Crossing Blvd, Jacksonville, FL 32277
Arlington
Monthly Cost Breakdown at The Villas at Dames Point Apartments
The listed rent isn't the whole number. Here's what The Villas at Dames Point 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 Villas at Dames Point Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Amenity Fee - Two Bedroom
Charged per unit.
Amenity Fee - One Bedroom
Charged per unit.
Administrative Fee
Charged per unit.
Application Fee Per Applicant
Charged per applicant.
Security Deposit - Fully Approved
$500 Sec Dep OR enroll in Guarantors Charged per unit.
Parking Fees
Parking Fee
Charged per vehicle.
Parking Fee
Max of 2. Charged per vehicle.
Surface Lot
Please call for parking information.
Situational Fees
Month To Month Fee
Charged per occurrence.
Late Fee
Charged per occurrence.
NSF Fee
Charged per occurrence.
On-Site Transfer Fee
Charged per occurrence.
What's Within Reach
Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around The Villas at Dames Point Apartments.
Grocery
- Whole Foods Market 4.4
- Southern Steer Butcher Atlantic Beach 4.9
- Walmart Neighborhood Market 4.1
Pharmacy
- Pharmacy Plus 5.0
- Publix Pharmacy at Dames Pointe 3.7
- Walmart Pharmacy 2.5
Hospital
- HCA Florida Merrill Road Emergency 3.6
- Ascension St. Vincent's Emergency Care - Arlington 4.1
- HCA Florida Memorial Hospital Emergency Room 3.9
Gym
- Orangetheory Fitness 4.7
- Florida Extreme Fitness Center 4.7
- Chuze Fitness 4.1
Restaurant
- Fujiyama japanese sushi &hibachi 4.5
- Pepe's Hacienda & Restaurant 4.6
- Tabouleh Cafe 4.6
Park
- Blue Cypress Park 4.4
- Villas At Dames Point Crossing Apartments 4.3
- Dames Point Park 4.7
Bank
- Bank of America (with Drive-thru ATM) 2.9
- Villas At Dames Point Crossing Apartments 4.3
- WoodSpring Suites Jacksonville I-295 East 3.4
Gas
- RaceTrac 3.2
- GATE Gas Station 4.2
- Shell 3.5
About The Villas at Dames Point Apartments
From the property listing:
The Villas at Dames Point Crossing welcomes you to experience the laid back pace and pleasures of living in a Resort Style Apartment Home. From the moment you drive through the welcoming front entrance, you will experience a simpler approach to life. The Villas at Dames Point Crossing encompasses a wonderful combination of a relaxing lifestyle with all life's necessities close at hand.
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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