Renters Insurance at Tropia Luxury Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Tropia Luxury Apartments can push your insurance cost up or down:
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 2168/100K (37% above national average)
What You'll Likely Pay
$14
Est. Monthly
$172
Est. Annual
$13
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 Tropia Luxury 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 Tropia Luxury 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 $13/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. Tropia Luxury Apartments also has on-site security features (Controlled access, 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
Natural Hazards & Your Renters Coverage
From a renters-insurance angle, Tropia Luxury Apartments doesn't have unusual exposure to the natural hazards that a standard policy excludes — flood risk is low and significant earthquakes are rare here. What renters in Duval County are likely to actually claim against, on the other hand, is severe weather: NOAA records around 27 severe weather events a year locally. Wind, hail, and storm damage to your possessions are all covered by a baseline policy.
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
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 bottom line: a standard renters policy at this address is sufficient. None of the optional natural-hazard endorsements pay back at meaningful odds.
13924 Egrets Nest Dr, Jacksonville, FL 32258
Jacksonville
Monthly Cost Breakdown at Tropia Luxury Apartments
The listed rent isn't the whole number. Here's what Tropia Luxury Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Tropia Luxury Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Trash
Charged per unit.
Reservation Fee
Charged per unit.
Application
Charged per unit.
Pets Fees
Pet Fee
$400 for 1 pet, $500 for 2 pets
Pet Fee (2 pets)
Max of 1. $100 for the 2nd pet Charged per pet.
Pet Rent
Max of 2. Charged per pet.
Parking Fees
Standard Garage
Max of 1. Charged per vehicle.
Large Garage
Max of 1. Charged per vehicle.
What's Within Reach
Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around Tropia Luxury Apartments.
Grocery
- Whole Foods Market 4.4
- Publix Super Market at The Shoppes of Bartram Park 4.6
- Publix Super Market at Bartram Market 4.6
Pharmacy
- Publix Pharmacy at The Shoppes of Bartram Park 4.5
- Walgreens Pharmacy 3.6
- Publix Pharmacy at Bartram Market 3.3
Hospital
- Baptist South Emergency Room (ER) 2.4
- Baptist Medical Center South 4.8
- Wolfson Children's Emergency Room at Baptist South 3.9
Gym
- Orangetheory Fitness 4.5
- Florida Extreme Fitness Center 4.7
- Chuze Fitness 4.3
Restaurant
- Southern Steer Butcher Atlantic Beach 4.9
- Gyro 365 4.7
- Raices Casual Flavors 4.7
Park
- Losco Regional Park 4.6
- Greenland Park 4.2
- Tommy Hazouri Sr. Park 4.5
Bank
- Tropia Luxury Apartments 4.6
- Luxor Club 3.5
- Ameris Bank 4.9
Gas
- GATE Gas Station 4.2
- GATE Gas Station 3.4
- Pilot Travel Center 4.0
Pet Policy
Bringing a pet? Here's what Tropia Luxury Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Tropia Luxury Apartments
From the property listing:
Enjoy 2 MONTHS FREE! Live like youre on vacation every day at our brand new community, offering spacious apartments and the largest amenity offering in the area. With a dedicated onsite team, we are committed to providing exceptional customer service. Call or come by today!
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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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