Cortland Nona Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Cortland Nona Apartments in Lake Nona? Rent here runs $1,826 – $5,171, and renters insurance adds about $14/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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12035 Pioneers Way, Orlando, FL 32832

Lake Nona

Managed by Cortland Built 2021 4 stories 354 units
5/5 ·64 reviews Apt. Finder
$1,826 – $5,171 /month

Monthly Cost Breakdown at Cortland Nona Apartments

The listed rent isn't the whole number. Here's what Cortland Nona Apartments actually costs each month once you add required fees and insurance.

Total Monthly Cost $1,936 – $5,281
Base Rent $1,826 – $5,171
Required Monthly Fees $96
Est. Renters Insurance $14/mo

Renters Insurance at Cortland Nona Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Cortland Nona Apartments can push your insurance cost up or down:

Gated Community

Gated access reduces theft risk — may qualify for security discount

Controlled Access

Electronic/key fob entry — reduces unauthorized entry risk

AreaVibes

Crime grade: B+

What You'll Likely Pay

$14

Est. Monthly

$163

Est. Annual

$12

With Discounts/mo

$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 Cortland Nona Apartments 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

$300,000 recommended

Pool on premises — higher liability recommended for accidents at shared amenities

How Carriers Compare for This Area

Not all carriers price the same zip code equally. Here's how the major options stack up near Cortland Nona Apartments:

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

Gated community
-5%
Controlled access
-3%
Sprinkler system
-5%
Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $12/mo

7 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. Cortland Nona Apartments has on-site security features (Package service, Property manager on site, Gated, Controlled access, Doorman, Package lockers, Sprinklers, Covered parking) that insurers recognize with premium discounts.

On-Site Security

Package service Property manager on site Gated Controlled access Doorman Package lockers Sprinklers Covered parking

Fees Beyond Rent

These are the additional charges beyond base rent at Cortland Nona Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Trash

Trash: $10 due monthly Charged per unit.

$10 / mo

Liability Only Protection

Liability Only Protection: $15 due monthly Charged per unit.

$15 / mo

Valet Trash

Valet Trash: $25 due monthly Charged per unit.

$25 / mo

Pest Control

Pest Control: $8 due monthly Charged per unit.

$8 / mo

Service Fee

Service Fee: $8.40 due monthly Charged per unit.

$8.40 / mo

Administration Fee (per household)

Administration Fee (per household): $250 deposit due at application Charged per unit.

$250

Application Fee (per applicant)

Application Fee (per applicant): $99 due at application Charged per applicant.

$99

New Account Setup

New Account Setup: $25 due at move-in Charged per unit.

$25

Pets Fees

Dog - Pet Fee - Dog

Pet Fee - Dog: $400 due at move-in Charged per pet.

$400

Dog - Pet - Monthly Pet Charge - Dog

Pet - Monthly Pet Charge - Dog: $25 due monthly Charged per pet.

$25 / mo

Cat - Pet Fee - Cat

Pet Fee - Cat: $400 due at move-in Charged per pet.

$400

Cat - Pet - Monthly Pet Charge - Cat

Pet - Monthly Pet Charge - Cat: $25 due monthly Charged per pet.

$25 / mo

Parking Fees

Garage

Garage: $200 due monthly Charged per vehicle.

$200 / mo

Boat Parking

Boat Parking: $350 due monthly Charged per vehicle.

$350 / mo

Garage Lot

Boat Garage

Addons Fees

Vehicle

Vehicle: $0 due monthly Charged per unit.

N/A / mo

Situational Fees

Late Rent Fee

Late Rent Fee: 10% of rent due at late rent. Charged per unit.

Varies / occurrence

Early Termination Fee

Early Termination Fee: 200% of rent due at early terminationCharged per unit.

Varies one-time

Amenities

Special Features

24/7 Package Lockers 24/7 Fitness Center And Yoga/spin Studio Additional Storage Handicap Accessible Pet-Friendly Cortland Community Usb-Integrated Outlets Wash/erdryer Keyless Home Entry Systems Picnic/bbq Area Smart Thermostats*

Community Features

Wi-Fi Maintenance on site Planned Social Activities Pet Care Pet Play Area Pet Washing Station Key Fob Entry Wheelchair Accessible Elevator Business Center Breakfast/Coffee Concierge Storage Space Conference Rooms Sundeck Grill Lake Access Dock Fitness Center Hot Tub Pool Playground Bicycle Storage Gameroom

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Satellite TV Trash Compactor Storage Space Double Vanities Tub/Shower Sprinkler System Framed Mirrors Wheelchair Accessible (Rooms) Dishwasher Disposal Ice Maker Stainless Steel Appliances Pantry Island Kitchen Eat-in Kitchen Kitchen Microwave Oven Range Refrigerator Freezer Quartz Countertops Carpet Vinyl Flooring High Ceilings Family Room Office Walk-In Closets Window Coverings Large Bedrooms Balcony Patio Deck

Pet Policy

Bringing a pet? Here's what Cortland Nona Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.

Cats Allowed
$25 Monthly Pet Rent
$400 Fee
80 lb Weight Limit
2 Pet Limit

About Cortland Nona Apartments

Year Built: 2021
Stories: 4 stories
Units: 354
Management: Cortland
Phone: (689) 210-2502

From the property listing:

Located in the top-rated Orange County Public School District and minutes away from popular local shopping, dining, and entertainment spots, our apartments near Orlando Airport offer the experience of everyday resort-style living in Lake Nona. High-end home features like smart refrigerators and designer finishes will make you proud to call any of our one, two, and three-bedroom apartments for rent in Lake Nona home. Convenience to major employers like UCF Medical Center and the USTA National Campus makes your daily commute a breeze.

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 Cortland Nona Apartments require renters insurance?
We didn't find a public insurance requirement for Cortland Nona Apartments, 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 Cortland Nona Apartments?
For this zip code and building type, expect to pay around $14/month ($163/year). Cortland Nona Apartments has security features that qualify for discounts — with those applied, you could pay as little as $12/month. For context, the statewide average is $16/month, so this building is below average.
What will I actually pay per month at Cortland Nona Apartments?
Plan for $1,936 to $5,281/month all-in. That's base rent ($1,826 – $5,171), plus $96/month in required fees (trash, utilities, etc.), plus roughly $14/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Cortland Nona Apartments allow pets?
Yes, Cortland Nona Apartments is pet-friendly. Here are the details: Cats Allowed. $25 Monthly Pet Rent. $400 Fee. 80 lb Weight Limit. 2 Pet Limit. Standard renters insurance covers pet-related liability at no extra cost.
How safe is the area around Cortland Nona Apartments?
The area is fairly safe, with a B+ crime grade. On the property itself, you'll find package service, property manager on site, gated, controlled access — features that can also qualify you for insurance discounts.
What floor plans does Cortland Nona Apartments offer?
There are 7 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,826 – $5,171. Your unit size can affect your insurance cost too — a larger unit typically means more belongings to cover.

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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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