1001 E Pine St Townhouse: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at 1001 E Pine St Townhouse in Downtown Orlando? Rent here runs From $1,825, and renters insurance adds about $19/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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1001 E Pine St, Orlando, FL 32801

Downtown Orlando

From $1,825 /month

Monthly Cost Breakdown at 1001 E Pine St Townhouse

The listed rent isn't the whole number. Here's what 1001 E Pine St Townhouse actually costs each month once you add required fees and insurance.

Total Monthly Cost $1,844
Base Rent $1,825
Est. Renters Insurance $19/mo

Renters Insurance at 1001 E Pine St Townhouse

What Affects Your Premium Here

Every building is different. These factors specific to 1001 E Pine St Townhouse can push your insurance cost up or down:

Open Access

No gated or controlled access — higher theft exposure

FEMA Flood Zone

Zone X — minimal flood risk

AreaVibes

Crime grade: B+

What You'll Likely Pay

$19

Est. Monthly

$224

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 1001 E Pine St Townhouse based on the rent level and building features.

Personal Property

What your stuff is worth

$40,000 recommended

If you own less

$25,000

If you own more

$60,000

Liability

Covers accidental harm & lawsuits

$100,000 recommended

Standard minimum for most lease requirements in Florida

How Carriers Compare for This Area

Not all carriers price the same zip code equally. Here's how the major options stack up near 1001 E Pine St Townhouse:

Carrier Monthly Annual
Lemonade $11/mo $128/yr
USAA $12/mo $144/yr
State Farm $16/mo $192/yr
Progressive $17/mo $208/yr
Safeco $17/mo $208/yr
Travelers $19/mo $224/yr
Allstate $20/mo $240/yr
Nationwide $20/mo $240/yr
Farmers $21/mo $256/yr
Liberty Mutual $24/mo $289/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 $19/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 Orlando.

B+

Area Crime Grade

Detailed FBI property-crime data isn't available for Orlando in the latest reporting cycle, so we're showing the AreaVibes neighborhood grade as a general signal.

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for 1001 E Pine St Townhouse.

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 1001 E Pine St Townhouse. 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.

$95

Amenities

Floor Plan Amenities

Dishwasher Microwave Range

About 1001 E Pine St Townhouse

Phone: (689) 304-9993

From the property listing:

Welcome to a upgraded duplex located in Thornton Park and minutes from downtown Orlando! This unit was recently renovated throughout. Kitchen has been updated with beautiful granite counter tops and grey subway tile backsplash . The bathroom has tile throughout and fully upgraded as well. This home allows entrance from either the back or front of the unit. This property offers an option of a security deposit-free lease using Obligo’s billing authorization technology for qualified tenants and well as a mandatory Resident Benefit Package.

Other Options Nearby

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

Frequently Asked Questions

Does 1001 E Pine St Townhouse require renters insurance?
We didn't find a public insurance requirement for 1001 E Pine St Townhouse, 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 1001 E Pine St Townhouse?
For this zip code and building type, expect to pay around $19/month ($224/year). For context, the statewide average is $16/month, so this building is above average.
What will I actually pay per month at 1001 E Pine St Townhouse?
Plan for about $1,844/month all-in. That's base rent (From $1,825), plus roughly $19/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
How safe is the area around 1001 E Pine St Townhouse?
The area is fairly safe, with a B+ crime grade.

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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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