University Square Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at University Square Apartments in Southside? Rent here runs $1,000 – $1,050, and renters insurance adds about $18/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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3420 S University Blvd, Jacksonville, FL 32216

Southside

Built 1970 2 stories 31 units
3.8/5 ·5 reviews Google
Apt. Finder
$1,000 – $1,050 /month

Monthly Cost Breakdown at University Square Apartments

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

Total Monthly Cost $1,018 – $1,068
Base Rent $1,000 – $1,050
Est. Renters Insurance $18/mo

Renters Insurance at University Square Apartments

What Affects Your Premium Here

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

Older Building

Built in 1970 — older plumbing/electrical may increase risk

Open Access

No gated or controlled access — higher theft exposure

FEMA Flood Zone

Zone X — minimal flood risk

FBI UCR

Property crime rate: 2168/100K (37% above national average)

What You'll Likely Pay

$18

Est. Monthly

$215

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 University Square Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$25,000 recommended

If you own less

$15,000

If you own more

$40,000

Liability

Covers accidental harm & lawsuits

$300,000 recommended

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 University Square 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

Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $18/mo

4 discounts may apply here. Real quotes show your actual price — estimates can't.

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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.

Jacksonville property crime rate

2,168

per 100K residents

37% above U.S. avg

U.S. avg is 1,578 per 100K

Breakdown per 100K residents

Burglary
255 / 200
Larceny / theft
1,708 / 1,172
Vehicle theft
204 / 206

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.

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.

Water Damage Mentioned
1×

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for University Square Apartments.

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.

Fees Beyond Rent

These are the additional charges beyond base rent at University Square 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.

$125

Amenity Fee

Charged per unit.

Move-In Fee

Charged per unit.

Amenities

Special Features

24 Hours Emergency Calls Storage Space In Select Units Water Included With Rent

Community Features

Laundry Facilities Online Services Storage Space Pool

Floor Plan Amenities

High Speed Internet Access Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Storage Space Tub/Shower Dishwasher Granite Countertops Stainless Steel Appliances Kitchen Microwave Oven Range Refrigerator Freezer Hardwood Floors Carpet Tile Floors Dining Room High Ceilings Built-In Bookshelves Walk-In Closets Linen Closet Large Bedrooms Balcony Patio

What's Within Reach

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

Grocery

  • Save A Lot 4.1
  • European Mix Market 4.3
  • Rowe's IGA Supermarket 4.4

Pharmacy

  • Walgreens Pharmacy 3.0
  • CVS Pharmacy 3.7
  • Halliday's & Koivisto's Pharmacy 4.3

Gym

  • Orangetheory Fitness 4.3
  • Planet Fitness 4.5
  • Anytime Fitness 4.9

Restaurant

  • Southern Steer Butcher Atlantic Beach 4.9
  • Gyro 365 4.7
  • Lily European Кitchen Restaurant 4.9

Park

  • Adolph Wurn Park 4.0
  • Crabtree Park 4.4
  • Touchton Park 4.6

Bank

  • Bank of America (with Drive-thru ATM) 2.4
  • Ameris Bank 4.9
  • Bank of America (with Drive-thru ATM) 2.9

Gas

  • Shell 3.6
  • Daily's 3.5
  • UNIVERSITY GAS & CONVENIENCE STORE 4.3

Pet Policy

Bringing a pet? Here's what University Square Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.

No Pets Allowed

About University Square Apartments

Year Built: 1970
Stories: 2 stories
Units: 31
Phone: (904) 664-2994

From the property listing:

Welcome to University Square Apartments Combining a calm community with comfortable living. Our tastefully designed building features Storage Space in Select Units, Air Conditioning, a pool, and more. We offer 1 Bedroom units partially and fully renovated and 2 bedroom units conveniently located close to University Pointe, Cuba Hunter Park, and Boulevard Corners. Make University Square Apartments your new home. Contact our team today!

Other Options Nearby

Still weighing your choices? These communities are in the same part of Jacksonville — compare rent and estimated insurance cost side by side.

10717 Coleman Rd Rental

Southside

$2,375 Ins: ~$16/mo

11159 Wethersfield Ct Rental

Southside

$2,285 Ins: ~$16/mo

11774 Mountain Ash Rd E Rental

Southside

$2,325 Ins: ~$16/mo

11836 Lake Fern Dr Rental

Southside

$2,799 Ins: ~$16/mo

11989 Collins Creek Dr Rental

Southside

$2,549 Ins: ~$16/mo

12407 Hatton Chase Ln E Rental

Southside

$2,345 Ins: ~$16/mo

Frequently Asked Questions

Does University Square Apartments require renters insurance?
We didn't find a public insurance requirement for University Square 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 University Square Apartments?
For this zip code and building type, expect to pay around $18/month ($215/year). For context, the statewide average is $16/month, so this building is above average.
What will I actually pay per month at University Square Apartments?
Plan for $1,018 to $1,068/month all-in. That's base rent ($1,000 – $1,050), plus roughly $18/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does University Square Apartments allow pets?
No, University Square Apartments does not allow pets.
How safe is the area around University Square Apartments?
Property crime in Jacksonville runs noticeably higher than the national average — 2,168 incidents per 100,000 residents versus the U.S. average of 1,578. That's the metric insurance carriers care about most for renters coverage, since property crime (theft, burglary, vehicle break-ins) drives most claims. Burglary specifically is 255/100K here.
What floor plans does University Square Apartments offer?
There are 2 floor plans to choose from, spanning 1-bedroom layouts. Rent ranges from $1,000 – $1,050. 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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