Renters Insurance at Avana Matthews Apartments
We found a few insurance details on the Avana Matthews Apartments website. Your lease may have additional requirements — treat these as a starting point.
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 Avana Matthews Apartments can push your insurance cost up or down:
Older Building
Built in 1989 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
Water/Leak Issues
6 mentions in Google reviews
Pest Issues
5 mentions in Google reviews
FEMA Flood Zone
Zone X — minimal flood risk
AreaVibes
Crime grade: C+
What You'll Likely Pay
$14
Est. Monthly
$171
Est. Annual
$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 Avana Matthews 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 Avana Matthews Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $8/mo | $93/yr |
| USAA | $9/mo | $105/yr |
| State Farm | $12/mo | $140/yr |
| Progressive | $13/mo | $151/yr |
| Safeco | $13/mo | $151/yr |
| Travelers | $14/mo | $163/yr |
| Allstate | $15/mo | $175/yr |
| Nationwide | $15/mo | $175/yr |
| Farmers | $16/mo | $186/yr |
| Liberty Mutual | $17/mo | $210/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 Matthews.
C+
Area Crime Grade
Detailed FBI property-crime data isn't available for Matthews in the latest reporting cycle, so we're showing the AreaVibes neighborhood grade as a general signal. Avana Matthews Apartments has on-site security features (Package service, Property manager on site) that insurers recognize with premium discounts.
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
“Most of the office staff are nice enough but again have no actual ability to help with anything due to the amount of third party systems or lack of maintenance staff.” — Google reviewer
Security
A recurring concern in reviews
“First my car was stolen.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
At a moderate-hazard address like Avana Matthews Apartments, the question of whether to add earthquake coverage to a renters policy isn't obvious — endorsements run roughly $50–$150 a year, and the probability of a damaging quake is real but low. Flood risk here is minimal and most other weather damage is already covered. Specifics below.
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 (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
The seismic picture is in the middle: damaging earthquakes are uncommon but not negligible. Renters insurance excludes earthquake damage regardless, so the choice is whether the modest cost of an endorsement is worth the modest probability of a payout. The data point below provides the specifics.
Moderate seismic hazard · ground motion 0.10g
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
Severe-weather activity in Mecklenburg 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 Mecklenburg County. Counts reflect reported events, not damage amounts.
Standard renters insurance is enough for most renters here. The earthquake endorsement is worth pricing if you'd find replacing your possessions out-of-pocket painful.
2808 Cross Point Cir, Matthews, NC 28105
Charlotte
Fees Beyond Rent
These are the additional charges beyond base rent at Avana Matthews Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Trash Services - Hauling
Amount for shared trash/waste services. Charged per unit.
Trash Services - Doorstep
Amount for doorstep trash removal from rental home. Charged per unit.
Pest Control Services
Amount for pest control services. Charged per unit.
Utility - Billing Administrative Fee
Amount to manage utility services billing. Charged per unit.
Renters Liability Insurance - Third Party
Amount for renters liability insurance obtained through resi dent's provider of choice. Charged per leaseholder. Payable to 3rd Party
Utility - Electric - Third Party
Usage-Based (Utilities).Amount for provision and consumption of electric paid to a third party. Charged per unit.
Utility - Water/Sewer
Usage-Based (Utilities).Amount for provision and/or consumpt ion of water and sewer services Charged per unit.
Application Fee
Amount to process application, initiate screening, and take a rental home off the market. Charged per applicant.
Package Services
Amount for package services. Charged per unit.
Security Deposit (Refundable)
Amount intended to be held through residency that may be app lied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit.
Pets Fees
Pet Fee
We welcome 2 pets per apartment home. There is a $300 non-re fundable fee for the first pet, and $150 for the second pet. Pet rent is $25, per pet.
Pet Rent
Max of 1. Monthly amount for authorized pet. Charged per pet
Optional Add-On Fees
Renters Liability/Content - Property Program
Amount to participate in the property Renters Liability Pro gram. Charged per unit.
Situational Fees
Renters Liability Only - Non-Compliance
Amount for not maintaining required Renters Liability Policy Charged per unit.
Intra-Community Transfer Fee
Amount due when transferring to another rental unit within c ommunity. Charged per unit.
Returned Payment Fee (NSF)
Amount for returned payment. Charged per unit.
Access Device - Replacement
Amount to obtain a replacement access device for community; fobs, keys, remotes, access passes. Charged per device.
Late Fee
Amount for paying after rent due date; per terms of lease. Charged per unit.
Lease Violation
Amount for violation of community policies and/or per lease terms. Charged per unit.
Early Lease Termination/Cancellation
Amount to terminate lease earlier than lease end date; exclu des rent and other charges. Charged per unit.
Legal/Eviction Fees
Amount for legal expenses incurred for lease violations. Cha rged per unit.
Security Deposit - Additional (Refundable)
Additional amount, based on screening results, intended to b e held through residency that may be applied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit.
Security Deposit Alternative
Amount for alternate program in lieu of paying a traditional security deposit. Charged per unit. Payable to 3rd Party
Pet Policy
Bringing a pet? Here's what Avana Matthews Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Avana Matthews Apartments
From the property listing:
Welcome to Avana Matthews a collection of studio, one-, two-, and three-bedroom apartment homes. We understand that your home is more than a place to live. It's a place to unwind after a long day. It's a space to share moments with loved ones or take care of daily tasks that keep life running smoothly. Our apartments invite you to be yourself while enjoying access to all the essentials.
Frequently Asked Questions
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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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