Renters Insurance at Verde at McCullough Station Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Verde at McCullough Station Apartments can push your insurance cost up or down:
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
Dog-Friendly
Dogs allowed — consider higher liability coverage
FEMA Flood Zone
Zone X — minimal flood risk
AreaVibes
Crime grade: F
What You'll Likely Pay
$12
Est. Monthly
$142
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 Verde at McCullough Station 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
Dog-friendly community — higher liability recommended for pet-related incidents
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Verde at McCullough Station 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 $12/mo
5 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 Charlotte.
F
Area Crime Grade
Detailed FBI property-crime data isn't available for Charlotte in the latest reporting cycle, so we're showing the AreaVibes neighborhood grade as a general signal. Verde at McCullough Station Apartments has on-site security features (Controlled access) 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
Management
Consistently positive in reviews
“The office staff are very friendly and knowledgeable.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
Renters at this address have one borderline natural-hazard decision to make: whether to buy an earthquake endorsement on top of a standard policy. USGS rates the area as moderate seismic hazard. Flood and severe weather aren't standout concerns. Below is what each agency actually shows.
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.
The earthquake endorsement is the only meaningful optional add-on at this kind of address. Whether it's worth the premium depends on what's actually in your unit.
8320 University Executive Park Dr, Charlotte, NC 28262
University City South
Monthly Cost Breakdown at Verde at McCullough Station Apartments
The listed rent isn't the whole number. Here's what Verde at McCullough Station Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Verde at McCullough Station Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Trash Services - Doorstep
Amount for doorstep trash removal from rental home. Charged per unit.
Security Deposit Alternative
Amount for alternate program in lieu of paying a traditional security deposit. Charged per unit.
Pest Control Services
Amount for pest control services. Charged per unit.
Trash Services - Hauling
Amount for shared trash/waste services. Charged per unit.
Cable TV Services
Amount for cable services in rental home. Charged per unit.
Utility - Water/Sewer
Usage-Based (Utilities).Amount for provision and/or consumpt ion of water and sewer services Charged per unit.
Utility - Electric - Third Party
Usage-Based (Utilities).Amount for provision and consumption of electric paid to a third party. Charged per unit. Payable to 3rd Party
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
Administrative Fee
Amount to facilitate move-in process for a resident. Charged per unit.
Application Fee
Amount to process application, initiate screening, and take a rental home off the market. Charged per applicant.
Access Device
Amount to obtain an access device for community; fobs, keys, remotes, access passes. Charged per device.
Pets Fees
Pet Fee
We welcome 2 pets with a pet fee of $350 for the first pet a nd $250 for the second pet. There is a monthly pet rent of $25/pet. Please call for complete pet information.
Pet Rent
Max of 2. Monthly amount for authorized pet. Charged per pet
Parking Fees
Parking Fee
Max of 1. Amount for parking space/services. May be subject to availability. Charged per vehicle.
Parking - Reserved
Max of 1. Amount for reserved parking space/services. May be subject to availability. Charged per rentable item.
Other
Garage and Reserved Parking Spaces. Please call for complete parking information.
Optional Add-On Fees
Common Area/Clubhouse Rental
Amount to rent a shared common area space, including clubhou se. May be subject to availability. Charged per unit.
Situational Fees
Access Device - Replacement
Amount to obtain a replacement access device for community; fobs, keys, remotes, access passes. Charged per device.
Renters Liability Only - Non-Compliance
Amount for not maintaining required Renters Liability Policy Charged per unit.
Returned Payment Fee (NSF)
Amount for returned payment. Charged per unit.
Intra-Community Transfer Fee
Amount due when transferring to another rental unit within c ommunity. 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.
Late Fee
Amount for paying after rent due date; per terms of lease. Charged per unit.
Legal/Eviction Fees
Amount for legal expenses incurred for lease violations. Cha rged per unit.
Pet Policy
Bringing a pet? Here's what Verde at McCullough Station Apartments allows — and keep in mind, if you have a dog, most insurance advisors recommend bumping your liability coverage to at least $300,000. Standard renters policies cover pet-related incidents, but the default $100,000 limit may not be enough if something happens.
About Verde at McCullough Station Apartments
From the property listing:
Welcome Home to Verde at McCullough Station!
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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