Encore Narcoossee Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Encore Narcoossee Apartments in South Orlando? Rent here runs $1,540 – $2,874, 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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7551 Narcoossee Rd, Orlando, FL 32822

South Orlando

Managed by Greystar Built 2024 3 stories 249 units
5/5 ·6 reviews Apt. Finder
$1,540 – $2,874 /month

Monthly Cost Breakdown at Encore Narcoossee Apartments

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

Total Monthly Cost $1,726 – $3,060
Base Rent $1,540 – $2,874
Required Monthly Fees $170
Est. Renters Insurance $16/mo

Renters Insurance at Encore Narcoossee Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Encore Narcoossee Apartments 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

AreaVibes

Crime grade: B+

What You'll Likely Pay

$16

Est. Monthly

$189

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 Encore Narcoossee Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$30,000 recommended

If you own less

$20,000

If you own more

$50,000

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 Encore Narcoossee Apartments:

Carrier Monthly Annual
Lemonade $10/mo $118/yr
USAA $11/mo $132/yr
State Farm $15/mo $176/yr
Progressive $16/mo $191/yr
Safeco $16/mo $191/yr
Travelers $17/mo $206/yr
Allstate $18/mo $220/yr
Nationwide $18/mo $220/yr
Farmers $20/mo $235/yr
Liberty Mutual $22/mo $264/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. Encore Narcoossee Apartments has on-site security features (Package service, Property manager on site) that insurers recognize with premium discounts.

On-Site Security

Package service Property manager on site

Fees Beyond Rent

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

Required Fees

Trash Services - Doorstep

Amount for doorstep trash removal from rental home. Charged per unit.

$25 / mo

Utility - Billing Administrative Fee

Amount to manage utility services billing. Charged per unit.

$5.12 / mo

Internet Services

Amount for internet services provided by community. Charged per unit.

$65 / mo

Utility - Electric - Third Party

Usage-Based (Utilities).Amount for provision and consumptionof electric paid to a third party. Charged per unit. Payable to 3rd Party

Varies / mo

Utility - Water/Sewer

Usage-Based (Utilities).Amount for provision and/or consumption of water and sewer services Charged per unit.

Varies / mo

Renters Liability Insurance - Third Party

Amount for renters liability insurance obtained through resident's provider of choice. Charged per leaseholder. Payable to 3rd Party

Varies / mo

Trash Services - Hauling

Amount for shared trash/waste services. Charged per unit.

Varies / mo

Application Fee

Amount to process application, initiate screening, and take a rental home off the market. Charged per applicant.

$70

Utility - New Account Fee

Amount to establish utility services. Charged per unit.

$17

Security Deposit (Refundable)

Amount intended to be held through residency that may be applied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit.

$200

Administrative Fee

Amount to facilitate move-in process for a resident. Chargedper unit.

$250

Utility - Final Bill Fee

Amount billed to calculate final utility statement. Charged per unit.

$17

Pets Fees

Pet Fee - Additional Pet

We welcome 2 pets per apartment home. There is a $300 non-refundable fee due for the 1st pet and $200 non-refundable fee due for the 2nd pet (max 2 pets). Pet rent is $25 per month. There is a weight limit of 100 pounds. Aggressive breed dogs and exotic pets are prohibited. We do not allow visiting pets. Please call our Leasing Office for complete Pet Policy information.

$200

Pet Fee

Max of 1. Amount to facilitate authorized pet move-in. Charged per pet.

$300

Pet Rent

Max of 1. Monthly amount for authorized pet. Charged per pet

$25 / mo

Situational Fees

Security Deposit - Additional (Refundable)

Additional amount, based on screening results, intended to be held through residency that may be applied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit.

100% of base rent

Lease Violation - Trash

Amount for violation of waste-related community policies. Charged per unit.

$15 - $200 / occurence

Renters Liability Only - Non-Compliance

Amount for not maintaining required Renters Liability PolicyCharged per unit.

$15 / occurence

Pet/Animal Violation - Waste

Amount for violation of community policies related to pet orassistance animal waste. Charged per unit.

$25 - $250 / occurence

Access Device - Replacement

Amount to obtain a replacement access device for community; fobs, keys, remotes, access passes. Charged per device.

$25 / occurence

Late Fee

Amount for paying after rent due date; per terms of lease. Charged per unit.

$50 / occurence

Returned Payment Fee (NSF)

Amount for returned payment. Charged per unit.

$50 / occurence

Utility - Vacant Processing Fee

Amount for failing to transfer utilities into resident name.Charged per unit.

$50 / occurence

Intra-Community Transfer Fee

Amount due when transferring to another rental unit within community. Charged per unit.

$500 / occurence

Legal/Eviction Fees

Amount for legal expenses incurred for lease violations. Charged per unit.

$950 / occurence

Liquidated Damages

Amount for not satisfying the application and/or lease termsCharged per unit.

100% of base rent / occurence

Early Lease Termination/Cancellation

Amount to terminate lease earlier than lease end date; excludes rent and other charges. Charged per unit.

200% of base rent / occurence

Utility - Vacant Cost Recovery

Usage-Based (Utilities).Amount for utility usage not transferred to resident responsibility any time during occupancy. Charged per unit.

Varies / occurrence

Amenities

Special Features

9-Foot Ceilings Cyber Lounge with Private Co-working Pods Full-service Coffee Bar Mud-room Entry* Outdoor Built-in Kitchen and Bar Covered Pavilion and Activity Lawn Entertaining Kitchen and Dining Hammock Lounge Resort-style Swimming Pool Mail Room Wood-style Flooring in Living Areas and Baths Health and Fitness Lounge Pet Spa Two cabinet color schemes Wi-Fi Accessible in Common Areas Fire Pit with Outdoor Lounge Seating Full-size Washer and Dryer in All Units USB Outlets in Kitchen Barn Door* LED Lighting Throughout Wood-style Flooring Throughout, 1st Floor Units 24-hour Package System BBQ Grills with Al Fresco Dining Areas Conference Room Contemporary Tubs with Tile Surround Designer Inspired Interiors Elegant Pool Deck with Lounge Chairs Floors 2 and 3 Surface Parking 2" faux wood blinds Granite Countertop Bathroom Vanities Kitchen Islands with Pendant Lighting Outdoor Bike Racks Showers with Semi-Frameless Door

Community Features

Community-Wide WiFi Wi-Fi Maintenance on site Pet Care Pet Washing Station Business Center Clubhouse Lounge Conference Rooms Sundeck Cabana Courtyard Grill Fitness Center Pool Playground Walking/Biking Trails

Floor Plan Amenities

High Speed Internet Access Wi-Fi Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Trash Compactor Storage Space Double Vanities Tub/Shower Dishwasher Disposal Ice Maker Granite Countertops Stainless Steel Appliances Pantry Island Kitchen Kitchen Microwave Oven Range Refrigerator Freezer Hardwood Floors Carpet Tile Floors Vinyl Flooring Dining Room Mud Room Recreation Room Vaulted Ceiling Skylights Walk-In Closets Balcony Patio Deck Lawn

Pet Policy

Bringing a pet? Here's what Encore Narcoossee Apartments 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.

Cats and Dogs Allowed
$25 Monthly Pet Rent
$300-$600 Fee
100 lb Weight Limit
2 Pet Limit

About Encore Narcoossee Apartments

Year Built: 2024
Stories: 3 stories
Units: 249
Management: Greystar
Phone: (321) 599-4332

From the property listing:

Welcome to Encore Narcoossee - Your Gateway to Elevated Living in the Heart of Central FloridaDiscover the perfect blend of modern elegance and comfortable living at Encore Narcoossee, where every day feels like a vacation. Nestled in the scenic beauty of Central Florida, our community offers unparalleled amenities, stylish home designs, and a prime location. Just minutes away from world-famous attractions, top-rated schools, and vibrant shopping and dining districts, Encore Narcoossee is designed to meet all your lifestyle needs.

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 Encore Narcoossee Apartments require renters insurance?
We didn't find a public insurance requirement for Encore Narcoossee 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 Encore Narcoossee Apartments?
For this zip code and building type, expect to pay around $16/month ($189/year). For context, the statewide average is $16/month, so this building is right around average.
What will I actually pay per month at Encore Narcoossee Apartments?
Plan for $1,726 to $3,060/month all-in. That's base rent ($1,540 – $2,874), plus $170/month in required fees (trash, utilities, etc.), 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 Encore Narcoossee Apartments allow pets?
Yes, Encore Narcoossee Apartments is pet-friendly. Here are the details: Cats and Dogs Allowed. $25 Monthly Pet Rent. $300-$600 Fee. 100 lb Weight Limit. 2 Pet Limit. 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 Encore Narcoossee Apartments?
The area is fairly safe, with a B+ crime grade. On the property itself, you'll find package service, property manager on site — features that can also qualify you for insurance discounts.
What floor plans does Encore Narcoossee Apartments offer?
There are 7 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom, studio layouts. Rent ranges from $1,540 – $2,874. 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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