Renters Insurance at Malden Station by Windsor Apartments
The Malden Station by Windsor Apartments website asks for at least $100,000 in liability coverage, and you'll need to add the property as an interested party on your policy. They list Sure, Assurant on their site, but you're not limited to those. Any carrier that meets these minimums will be accepted.
Lease Requirements
* An "interested party" is the property management company listed on your insurance policy. It doesn't give them any claim rights — it just means they get notified if your policy lapses, which is how the leasing office verifies you stay insured.
One thing to watch for: when you purchase your policy, most carriers have a field where you add the property as an interested party — skip that step and your proof may get rejected. It takes 30 seconds during checkout. Start a quote to see which carriers handle this automatically.
What Affects Your Premium Here
Every building is different. These factors specific to Malden Station by Windsor Apartments can push your insurance cost up or down:
Open Access
No gated or controlled access — higher theft exposure
Security System Issues
1 mention of broken gates, cameras, or locks in reviews
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 1802/100K (14% above national average)
What You'll Likely Pay
$14
Est. Monthly
$170
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 Malden Station by Windsor Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$10,000
If you own more
$25,000
Liability
Covers accidental harm & lawsuits
Lease minimum
What this community requires
We recommend
Minimum rarely covers an actual lawsuit
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 Malden Station by Windsor Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $9/mo | $111/yr |
| USAA | $10/mo | $125/yr |
| State Farm | $14/mo | $167/yr |
| Progressive | $15/mo | $181/yr |
| Safeco | $15/mo | $181/yr |
| Travelers | $16/mo | $195/yr |
| Allstate | $17/mo | $209/yr |
| Nationwide | $17/mo | $209/yr |
| Farmers | $19/mo | $223/yr |
| Liberty Mutual | $21/mo | $251/yr |
Discounts You May Qualify For
Next Step
See if you can beat $14/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 Fullerton.
Fullerton property crime rate
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
U.S. average
Near-average property crime means insurance premiums in Fullerton track closely with national baselines. Malden Station by Windsor Apartments also has on-site security features (Package lockers) that insurers recognize with discounts.
Source: FBI UCR Program, Fullerton (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.
What residents talk about most
Maintenance
Consistently positive in reviews
“I lived here for 2 years and the maintenance team has always been kind and on it!” — Google reviewer
Management
Consistently positive in reviews
“He’s very attentive and truly works/serves this community with excellence!” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
Earthquakes are the one natural hazard worth thinking about for renters at this address. USGS rates seismic risk here as high — high enough that a separate earthquake endorsement (typically $50–$150 a year) is worth pricing in. Standard renters insurance covers most other natural-hazard damage by default, but earthquake shaking is a near-universal exclusion.
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 (0.2% annual chance — 500-year floodplain) — 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
At this hazard level, the question isn't whether a damaging earthquake is possible — it's how to handle the fact that a standard renters policy excludes the damage if one happens. Earthquake endorsements priced for renters typically run $50–$150 annually and cover personal property only (no structural coverage; that's already the landlord's responsibility).
High seismic hazard · ground motion 0.99g
A renters earthquake endorsement covers personal property only and runs roughly $50–$150 a year — structural damage is the landlord's responsibility.
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
Severe-weather activity in Orange County is at the low end. Standard renters insurance already covers wind and hail damage to your stuff, so the data below is more context than coverage gap.
Source: NOAA Storm Events Database, annual averages from the past five years for Orange County. Counts reflect reported events, not damage amounts.
Most renters here add one targeted endorsement to a standard policy. The cost is modest, the benefit is concentrated on the one thing the base policy doesn't reach.
250 W Santa Fe Ave, Fullerton, CA 92832
Downtown Fullerton
Fees Beyond Rent
These are the additional charges beyond base rent at Malden Station by Windsor Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Liability/Content Insurance - Windsor Prog (Opt)
Optional liability/content insurance that meets the lease re quirement. Charged per unit.
Garage - Reserved Compact Restricted Access
1-2 BR apts are allowed 1 space per bedroom. 3BR apts are li mited to 2 spaces per apartment. Charged per unit.
Garage - Reserved Restricted Access
1-2 BR apts are allowed 1 space per bedroom. 3BR apts are li mited to 2 spaces per apartment. Charged per unit.
Utility Administrative Fee
Cost to manage utility services billing. Charged per unit.
Electricity
cost paid to third-party provider. Charged per u nit.
Hot Water Energy
Energy utilized for domestic water heating. Charged per unit
Sewer
Amount for sewer services. Charged per unit.
Water
Amount for water supply and usage. Charged per unit.
Liability Insurance
The lease requires a minimum of $100K in liability insurance coverage. Residents may obtain this coverage through a provider of their choice. Windsor offers an optional insurance program that meets the lease requirement for $15.75/month per policy. Charged per unit.
Pest Control Services
Amount for pest control services. Charged per unit.
Trash/Recycling - Hauling
Amount for trash/recycling services. Charged per unit.
Deposit
Charged per applicant.
Application Fee Per Applicant
Charged per applicant.
Package Services
Amount for package locker services. Charged per unit.
Holding Deposit
Refundable if denied. Applies to money due under at the leas e at move in Charged per unit.
Utility Service Fee
Charged per unit.
Pets Fees
Dog Rent
Charged per pet.
Cat Rent
Charged per pet.
Pet Rent
Monthly amount per approved pet. Charged per pet.
Situational Fees
Application Fee
Covers the cost for processing the rental application, inclu ding credit and background checks. Charged per unit.
Holding Deposit
Applies to the security deposit upon move in. Refundable if the application is denied Charged per unit.
About Malden Station by Windsor Apartments
From the property listing:
Style, substance, and sustainability are the pillars of quality living at Malden Station. Our unparalleled location in the SOCO District, our lavish collection of amenities, and our caliber of resident service offer you much more than an apartment community — Malden Station by Windsor offers a lifestyle from the inside, out. Live in the heart of all the growth and surround yourself with beautiful landscaping, great company, and Resort-style amenities. Entertain your friends and family pool-side, or in one of our many outdoor gathering spaces.
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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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