10777 Garden Lily Dr Townhouse: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at 10777 Garden Lily Dr Townhouse in Lake Nona? Rent here runs From $2,300, and renters insurance adds about $16/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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10777 Garden Lily Dr, Orlando, FL 32832

Lake Nona

From $2,300 /month

Monthly Cost Breakdown at 10777 Garden Lily Dr Townhouse

The listed rent isn't the whole number. Here's what 10777 Garden Lily Dr Townhouse actually costs each month once you add required fees and insurance.

Total Monthly Cost $2,316
Base Rent $2,300
Est. Renters Insurance $16/mo

Renters Insurance at 10777 Garden Lily Dr Townhouse

What Affects Your Premium Here

Every building is different. These factors specific to 10777 Garden Lily Dr 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

$16

Est. Monthly

$187

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 10777 Garden Lily Dr 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 10777 Garden Lily Dr Townhouse:

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 $16/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. 10777 Garden Lily Dr Townhouse has on-site security features (Covered parking) that insurers recognize with premium discounts.

On-Site Security

Covered parking

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for 10777 Garden Lily Dr 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.

Amenities

Community Features

Tennis Court

Floor Plan Amenities

Washer/Dryer Air Conditioning Heating Ceiling Fans Dishwasher Disposal Kitchen Microwave Range Refrigerator Dining Room

About 10777 Garden Lily Dr Townhouse

New Rental Price! This property is in great condition, with upgraded laminate floor and tile on first floor. Spacious eat-in kitchen. Amenities are playground, basketball count, tennis court, volleyball court, lakefront dog park. Conveniently located near restaurants and shopping easy access to the major highways 417 & 528. No pets, renters' insurance is required. Note: All applicants in a household 18 and up must apply individually. All adult applicants will have a credit and background check conducted. Minimum credit 600+, no eviction, foreclosure, or bankruptcy. The income must 3x rent combined.

Phone: (321) 989-6979

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 10777 Garden Lily Dr Townhouse require renters insurance?
We didn't find a public insurance requirement for 10777 Garden Lily Dr 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 10777 Garden Lily Dr Townhouse?
For this zip code and building type, expect to pay around $16/month ($187/year). For context, the statewide average is $16/month, so this building is right around average.
What will I actually pay per month at 10777 Garden Lily Dr Townhouse?
Plan for $2,316 to $2,316/month all-in. That's base rent (From $2,300), plus roughly $16/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 10777 Garden Lily Dr Townhouse?
The area is fairly safe, with a B+ crime grade. On the property itself, you'll find covered parking — features that can also qualify you for insurance discounts.
What parking is available at 10777 Garden Lily Dr Townhouse?
Garage Parking. Other Parking. Worth noting: covered or garage parking can reduce your vehicle's exposure to weather and theft, which some auto insurance carriers reward with lower rates.

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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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