Renters Insurance at Tidewater at Atlantic Beach Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Tidewater at Atlantic Beach Apartments can push your insurance cost up or down:
Older Building
Built in 1986 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
FEMA Flood Zone
Zone AE — High-risk flood area with base flood elevation. Flood insurance strongly recommended.
FBI UCR
Property crime rate: 1025/100K (35% below national average)
What You'll Likely Pay
$16
Est. Monthly
$187
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 Tidewater at Atlantic Beach 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 Tidewater at Atlantic Beach Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $8/mo | $102/yr |
| USAA | $10/mo | $114/yr |
| State Farm | $13/mo | $152/yr |
| Progressive | $14/mo | $165/yr |
| Safeco | $14/mo | $165/yr |
| Travelers | $15/mo | $178/yr |
| Allstate | $16/mo | $190/yr |
| Nationwide | $16/mo | $190/yr |
| Farmers | $17/mo | $203/yr |
| Liberty Mutual | $19/mo | $228/yr |
Discounts You May Qualify For
Next Step
See if you can beat $16/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 Atlantic Beach.
Atlantic Beach property crime rate
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
U.S. average
Below-average property crime typically translates to lower renters insurance premiums in this area, and security features on the building can push your rate even lower.
Source: FBI UCR Program, Atlantic Beach (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.
Natural Hazards & Your Renters Coverage
This is one of the situations where the off-the-shelf renters policy leaves real exposure on the table. Tidewater at Atlantic Beach Apartments sits in a FEMA flood zone, and the USGS marks the surrounding ground as moderate hazard for shaking. Standard renters policies cover neither flood nor earthquake — the rest of the section walks through what that means in dollars and what add-ons are worth pricing.
Flood damage
FEMA places this address inside a Special Flood Hazard Area, which is the agency's designation for parts of the country with at least a 1-in-4 chance of flooding over a 30-year mortgage. Standard renters insurance excludes flood damage outright — even small amounts of standing water that ruin a mattress or laptop. Closing the gap requires either an NFIP renters policy (starting around $99 a year) or a private flood policy from carriers like Neptune or Wright Flood.
FEMA Zone AE (riverine & coastal floodplain) — High-risk flood area with base flood elevation
Flood insurance strongly recommended — standard renters policies exclude flood damage.
What to know about flood insurance as a renter:
- Your landlord's building policy does not cover your belongings
- NFIP (National Flood Insurance Program) offers renters policies starting around $99/year
- Private carriers (Neptune, Wright Flood) may offer lower rates
- Most flood claims in this zone are for personal property, not structural damage
Most flood claims renters file in zones like this one are for personal property — laptops, mattresses, instruments — not structural damage. That's exactly what a renters-targeted flood policy is designed for.
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.
For an address with overlapping exposure like this one, the sensible step is to price each endorsement individually before deciding what to add to a base policy. Carriers price these add-ons inconsistently, so a single bundled quote rarely tells the full story.
2768 State Road A1a, Atlantic Beach, FL 32233
North Beach
Monthly Cost Breakdown at Tidewater at Atlantic Beach Apartments
The listed rent isn't the whole number. Here's what Tidewater at Atlantic Beach Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Tidewater at Atlantic Beach Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Community Utilities
Charged per unit.
Common Trash
Charged per unit.
Application Fee Per Applicant
Per applicant. Capped at $170 per household. Charged per app licant.
What's Within Reach
Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around Tidewater at Atlantic Beach Apartments.
Grocery
- Southern Steer Butcher Atlantic Beach 4.9
- Tidewater at Atlantic Beach Apartments 4.7
- Mayport Food Store 4.2
Pharmacy
- Tidewater at Atlantic Beach Apartments 4.7
- Walgreens 3.6
- Walgreens Pharmacy 3.6
Hospital
- Urgent Care Cure at Ponte Vedra 4.8
- UF Health Emergency & Urgent Care Center - Baymeadows 4.4
- Tidewater at Atlantic Beach Apartments 4.7
Gym
- Orangetheory Fitness 4.9
- Tidewater at Atlantic Beach Apartments 4.7
- Planet Fitness 4.5
Restaurant
- Southern Steer Butcher Atlantic Beach 4.9
- Gyro 365 4.7
- Olympia Cafe 4.5
Park
- Donner Park Community Center 4.6
- Jack Russell Park 4.7
- Bull Memorial Park 4.8
Bank
- Tidewater at Atlantic Beach Apartments 4.7
- Wells Fargo Bank 3.4
- Navy Federal Credit Union 3.9
Gas
- Kangaroo Express 3.4
- Circle K | Gas Station 1.0
About Tidewater at Atlantic Beach Apartments
From the property listing:
Welcome to Tidewater at Atlantic Beach, a premier apartment community located in the heart of Jacksonville, FL. Our community offers a variety of amenities designed to enhance your living experience. Stay active with our state-of-the-art fitness center, perfect for all fitness levels. Enjoy the Florida sunshine at our sparkling pool, a refreshing oasis that provides a perfect spot for relaxation and fun. For our younger residents, we offer a playground that is sure to provide hours of entertainment.
Frequently Asked Questions
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Disclaimer
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