11331 Cardiff Dr Rental: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at 11331 Cardiff Dr Rental in I Drive? Rent here runs From $2,550, 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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11331 Cardiff Dr, Orlando, FL 32837

I Drive

2.9/5 ·42 reviews Google
From $2,550 /month

Monthly Cost Breakdown at 11331 Cardiff Dr Rental

The listed rent isn't the whole number. Here's what 11331 Cardiff Dr Rental actually costs each month once you add required fees and insurance.

Total Monthly Cost $2,566
Base Rent $2,550
Est. Renters Insurance $16/mo

Renters Insurance at 11331 Cardiff Dr Rental

What Affects Your Premium Here

Every building is different. These factors specific to 11331 Cardiff Dr Rental can push your insurance cost up or down:

Open Access

No gated or controlled access — higher theft exposure

Dog-Friendly

Dogs allowed — consider higher liability coverage

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 11331 Cardiff Dr Rental based on the rent level and building features.

Personal Property

What your stuff is worth

$50,000 recommended

If you own less

$35,000

If you own more

$75,000

Liability

Covers accidental harm & lawsuits

$300,000 recommended

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 11331 Cardiff Dr Rental:

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. 11331 Cardiff Dr Rental has on-site security features (Covered parking) 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.

Maintenance Issues Mentioned

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 11331 Cardiff Dr Rental.

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 Dishwasher Kitchen Microwave Range Refrigerator Dining Room Porch

Pet Policy

Bringing a pet? Here's what 11331 Cardiff Dr Rental 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.

Dogs Allowed

About 11331 Cardiff Dr Rental

Beautiful Rental in Sky Lake South Prime Orlando Location!Welcome to this charming and well-maintained home located in the desirable Sky Lake South community of Orlando! This inviting residence offers the perfect blend of comfort, convenience, and location ideal for tenants looking to enjoy everything Central Florida has to offer.Step inside to find a bright and open floor plan with spacious living and dining areas, perfect for both relaxing and entertaining. Enjoy Florida living at its best with a private backyard with a pool and screened porch perfect for weekend gatherings, morning coffee, or unwinding after a long day.Location Highlights:Minutes from major highways including 417 and the Florida Turnpike.Close to Orlando International Airport, Lake Nona, and Medical City.Convenient access to shopping, dining, and entertainment.Near top-rated schools and parks.Whether you're commuting for work or looking to be near Orlando s top destinations, this home offers unbeatable accessibility.Key Features:Spacious layout with abundant natural light.Comfortable bedrooms and ample storage.Quiet, established neighborhood with walking trails, tennis, pickleball, playground, and kids' basketball court to name a few!Don t miss this opportunity to live in a well-located and welcoming home in Sky Lake South schedule your showing today!

Phone: (321) 485-6026

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 11331 Cardiff Dr Rental require renters insurance?
We didn't find a public insurance requirement for 11331 Cardiff Dr Rental, 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 11331 Cardiff Dr Rental?
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 11331 Cardiff Dr Rental?
Plan for $2,566 to $2,566/month all-in. That's base rent (From $2,550), plus roughly $16/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does 11331 Cardiff Dr Rental allow pets?
Yes, 11331 Cardiff Dr Rental is pet-friendly. Here are the details: . Dogs Allowed. If you have a pet, keep in mind that most renters insurance policies cover pet liability — but you may want to increase your liability limit, especially for larger breeds.
How safe is the area around 11331 Cardiff Dr Rental?
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 11331 Cardiff Dr Rental?
Street Parking. 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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