Three Fountains Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 09, 2026

Thinking about renting at Three Fountains Apartments in Southside? Rent here runs $1,300, and renters insurance adds about $16/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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5675 Barnhill Dr, Jacksonville, FL 32207

Southside

Built 1965 2 stories 88 units
3.9/5 ·15 reviews Google
3/5
$1,300 /month

Monthly Cost Breakdown at Three Fountains Apartments

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

Total Monthly Cost $1,316 – $1,316
Base Rent $1,300
Required Monthly Fees $0
Est. Renters Insurance $16/mo

Renters Insurance at Three Fountains Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Three Fountains Apartments can push your insurance cost up or down:

Older Building

Built in 1965 — older plumbing/electrical may increase risk

Open Access

No gated or controlled access — higher theft exposure

NeighborhoodScout

Safer than only 1% of US cities

What You'll Likely Pay

$16

Est. Monthly

$193

Est. Annual

$16

With Discounts/mo

$14

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 Three Fountains Apartments based on the rent level and building features.

Personal Property Coverage

$40,000 recommended
Low: $20,000 High: $60,000

Liability Coverage

$300,000 $300,000

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 Three Fountains Apartments:

Carrier Est. Monthly Est. Annual Tier Buy Online
Lemonade $8 $96 budget Yes
USAA $9 $108 budget —
State Farm $12 $144 mid —
Progressive $13 $156 mid Yes
Safeco $13 $156 mid —
Travelers $14 $168 mid —
Allstate $15 $180 mid —
Nationwide $15 $180 mid —
Farmers $16 $192 premium —
Liberty Mutual $18 $216 premium —

Discounts You May Qualify For

Claims-free (if applicable)

Up to 10% off

Pay-in-full annual

Up to 7% off

Paperless/autopay

Up to 3% off

Multi-policy bundle

Up to 10% off

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Fees Beyond Rent

These are the additional charges beyond base rent at Three Fountains 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.

$75

Administrative Fee

Charged per unit.

$200

Parking Fees

Surface Lot

Safety & Security

The neighborhood around your apartment directly affects your renters insurance rate — carriers charge more in higher-crime zip codes and less where theft and property damage are rare. Here's what the data says about the area around Three Fountains Apartments.

1%

Jacksonville overall is safer than only 1% of U.S. cities

This reflects Jacksonville as a whole — your specific zip code may score differently. Carriers use zip-level data when pricing your policy. The good news: Three Fountains Apartments has on-site security features (Property manager on site) that insurers recognize with premium discounts.

What Residents Are Saying

We analyzed 2 Google reviews for insurance-relevant mentions. These are the issues that came up most often — and the ones that matter when choosing your coverage:

Pest Issues 1 mention
Maintenance Issues 1 mention

On-Site Security

Property manager on site

Amenities

Community Features

Laundry Facilities Maintenance on site Planned Social Activities Public Transportation Storage Space Conference Rooms Grill Picnic Area Pool

Floor Plan Amenities

High Speed Internet Access Wi-Fi Air Conditioning Heating Smoke Free Storage Space Tub/Shower Disposal Granite Countertops Kitchen Oven Range Refrigerator Freezer Warming Drawer Carpet Tile Floors Dining Room Walk-In Closets Linen Closet Window Coverings

What's Within Reach

Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around Three Fountains Apartments.

Grocery

  • Southern Steer Butcher Atlantic Beach 4.9
  • Save A Lot 4.1
  • Harveys Supermarkets 4.2

Pharmacy

  • Halliday's & Koivisto's Pharmacy 4.3
  • CVS Pharmacy 3.7
  • Jackson Pharmacy 3.8

Hospital

  • HCA Florida Memorial Hospital Emergency Room 3.9
  • HCA Florida Memorial Hospital 4.1
  • Ascension St. Vincent's Emergency Care - Southside 4.2

Gym

  • Orangetheory Fitness 4.7
  • Anytime Fitness 4.9
  • LA Fitness 4.1

Restaurant

  • Southern Steer Butcher Atlantic Beach 4.9
  • Gyro 365 4.7
  • Que Padre Mexican Restaurant 4.4

Park

  • Cuba Hunter Park 4.4
  • Southside Park 4.3
  • Landon Park 4.8

Bank

  • Bank of America ATM (Drive-thru) 3.0
  • Fifth Third Bank & ATM 2.9
  • TD Bank 3.5

Gas

  • Sunoco 4.0
  • UNIVERSITY GAS & CONVENIENCE STORE 4.3
  • RaceTrac 3.4

Pet Policy

Bringing a pet? Here's what Three Fountains 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.

  • No Pets Allowed

About Three Fountains Apartments

Built in 1965, Three Fountains Apartments offers a cozy and familiar atmosphere that feels like home from the moment you arrive. Our community is perfect for those seeking simplicity, comfort, and a quiet place to unwind. Each apartment features spacious layouts with classic design touches, providing a warm and welcoming space to call your own. Residents enjoy access to a refreshing pool and convenient on-site laundry facilities—essentials that make everyday living easy and relaxed. Three Fountains Apartments is just a short drive from local shops, dining, and major roadways, making it easy to get where you need to go. Whether you're starting a new chapter or looking for a peaceful retreat, you'll find a sense of belonging here. Come experience the charm of a community that’s stood the test of time. Schedule your visit today and discover why so many choose to call Three Fountains Apartments home.

Year Built: 1965
Stories: 2
Total Units: 88
Phone: (904) 779-3956

Other Options Nearby

Still weighing your choices? These communities are in the same part of Jacksonville — with their own insurance costs and safety profiles worth comparing.

10717 Coleman Rd Rental

Southside

$2,375 Ins: ~$14/mo

11159 Wethersfield Ct Rental

Southside

$2,285 Ins: ~$14/mo

11774 Mountain Ash Rd E Rental

Southside

$2,325 Ins: ~$14/mo

11836 Lake Fern Dr Rental

Southside

$2,799 Ins: ~$14/mo

11989 Collins Creek Dr Rental

Southside

$2,549 Ins: ~$14/mo

12407 Hatton Chase Ln E Rental

Southside

$2,345 Ins: ~$14/mo

Frequently Asked Questions

Does Three Fountains Apartments require renters insurance?
We didn't find a public insurance requirement for Three Fountains Apartments, but that doesn't mean there isn't one. Many communities add the requirement during lease signing. It's worth asking the leasing office directly — and even if it's not required, a policy typically runs under $20/month and covers you against theft, fire, and liability.
How much is renters insurance at Three Fountains Apartments?
For this zip code and building type, expect to pay around $16/month ($193/year). Three Fountains Apartments has security features that qualify for discounts — with those applied, you could pay as little as $16/month. For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at Three Fountains Apartments?
Plan for $1,316 to $1,316/month all-in. That's base rent ($1,300), plus roughly $16/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Three Fountains Apartments allow pets?
Yes, Three Fountains Apartments is pet-friendly. Here are the details: No Pets Allowed. If you have a pet, keep in mind that most renters insurance policies cover pet liability — but you may want to increase your liability limit, especially for larger breeds.
What floor plans does Three Fountains Apartments offer?
There are 2 floor plans to choose from, spanning 2-bedroom layouts. Rent ranges from $1,300. Your unit size can affect your insurance cost too — a larger unit typically means more belongings to cover.

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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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