Renters Insurance at The Waterford at Mandarin Apartments
What Affects Your Premium Here
Every building is different. These factors specific to The Waterford at Mandarin Apartments can push your insurance cost up or down:
Older Building
Built in 1989 — older plumbing/electrical may increase risk
Gated Community
Gated access reduces theft risk — may qualify for security discount
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
Dog-Friendly
Dogs allowed — consider higher liability coverage
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
$196
Est. Annual
$15
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 Waterford at Mandarin 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
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 The Waterford at Mandarin 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 $15/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 Waterford at Mandarin Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Gated) 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
Natural Hazards & Your Renters Coverage
Renters here aren't dealing with the rarer natural-disaster exclusions — flood risk is low at the address and earthquakes are uncommon. The everyday risk in Duval County is severe weather: an average of 27 severe weather events a year per NOAA. Wind, hail, and storm-driven damage to personal property are covered by a typical renters policy, which is what makes the coverage worth carrying.
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 (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
Earthquakes happen rarely enough at this location that an earthquake-specific endorsement isn't a meaningful insurance decision. A baseline renters policy still covers the claims you'd actually file. The USGS-level detail is included below mostly for thoroughness.
Low seismic hazard · ground motion 0.05g
Skipping the endorsement is a defensible choice at this hazard level. Theft, fire, lightning, and most water damage stay covered under your standard renters policy regardless.
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.
The natural-hazard picture is favorable enough that a baseline renters policy is the right end-state for most renters here. No upgrade required.
11247 San Jose Blvd, Jacksonville, FL 32223
Southside
Monthly Cost Breakdown at The Waterford at Mandarin Apartments
The listed rent isn't the whole number. Here's what The Waterford at Mandarin 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 Waterford at Mandarin 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.
What's Within Reach
Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around The Waterford at Mandarin Apartments.
Grocery
- Southern Steer Butcher Atlantic Beach 4.9
- Trader Joe's 4.7
- Publix Super Market at Mandarin Oaks Shopping Center 4.6
Pharmacy
- Walmart Pharmacy 3.5
- Publix Pharmacy at Mandarin Oaks Shopping Center 3.4
- Walgreens Pharmacy 4.6
Hospital
- HCA Florida Mandarin Emergency 3.9
- HCA Florida Memorial Hospital Emergency Room 3.9
- Ascension St. Vincent's Emergency Care - Southside 4.2
Gym
- Orangetheory Fitness 4.7
- Chuze Fitness 4.1
- Orangetheory Fitness 4.7
Restaurant
- Southern Steer Butcher Atlantic Beach 4.9
- Mandola's Italian Kitchen 4.4
- Beach Diner Mandarin 4.5
Park
- Chuck Rogers Park 4.2
- Tommy Hazouri Sr. Park 4.5
- Losco Regional Park 4.6
Bank
- Chase Bank 3.3
- Ameris Bank 4.6
- Truist - ATM
Gas
- Mobil 3.4
- GATE Gas Station 3.5
- 76 2.1
Pet Policy
Bringing a pet? Here's what The Waterford at Mandarin 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.
About The Waterford at Mandarin Apartments
From the property listing:
We have the perfect floorplan to fit your lifestyle! If you're searching for apartments in Jacksonville, your search ends now with The Waterford at Mandarin. Join our pet-friendly apartment community for features and amenities designed with you in mind and fit for just about every lifestyle. Stay with us for our friendly customer service and fast, reliable maintenance. Everything you desire is right here live the difference with The Waterford at Mandarin.
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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