1815 Larkin Ave Rental: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at 1815 Larkin Ave Rental in South Orlando? Rent here runs From $1,000, 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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1815 Larkin Ave, Orlando, FL 32812

South Orlando

4.4/5 ·523 reviews Google
From $1,000 /month

Monthly Cost Breakdown at 1815 Larkin Ave Rental

The listed rent isn't the whole number. Here's what 1815 Larkin Ave Rental actually costs each month once you add required fees and insurance.

Total Monthly Cost $1,016
Base Rent $1,000
Est. Renters Insurance $16/mo

Renters Insurance at 1815 Larkin Ave Rental

What Affects Your Premium Here

Every building is different. These factors specific to 1815 Larkin Ave Rental 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

$196

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 1815 Larkin Ave Rental based on the rent level and building features.

Personal Property

What your stuff is worth

$25,000 recommended

If you own less

$15,000

If you own more

$40,000

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 1815 Larkin Ave Rental:

Carrier Monthly Annual
Lemonade $9/mo $112/yr
USAA $11/mo $126/yr
State Farm $14/mo $168/yr
Progressive $15/mo $182/yr
Safeco $15/mo $182/yr
Travelers $16/mo $196/yr
Allstate $18/mo $210/yr
Nationwide $18/mo $210/yr
Farmers $19/mo $224/yr
Liberty Mutual $21/mo $252/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.

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 Frequent topic
Management Issues Mentioned
Slip/Fall Hazards Mentioned

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for 1815 Larkin Ave 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.

Fees Beyond Rent

These are the additional charges beyond base rent at 1815 Larkin Ave Rental. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Security Deposit - Refundable

Charged per unit.

$500

Amenities

Floor Plan Amenities

Washer/Dryer Security System Microwave Refrigerator Furnished

About 1815 Larkin Ave Rental

Phone: (321) 450-3472

From the property listing:

Property Id: 2467735 This queen room for rent comes with a private bathroom. You’ll have access to shared areas, including the kitchen and living spaces, while enjoying privacy in your own room. Just 15 minutes from the airport and close to Orlando’s top attractions like Disney and Universal. Fast Wi-Fi included. Ideal for solo travelers or couples seeking comfort, convenience, and great value!

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 1815 Larkin Ave Rental require renters insurance?
We didn't find a public insurance requirement for 1815 Larkin Ave 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 1815 Larkin Ave Rental?
For this zip code and building type, expect to pay around $16/month ($196/year). For context, the statewide average is $16/month, so this building is right around average.
What will I actually pay per month at 1815 Larkin Ave Rental?
Plan for about $1,016/month all-in. That's base rent (From $1,000), 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 1815 Larkin Ave Rental?
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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