Estates at Park Avenue Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Estates at Park Avenue Apartments in West Orlando? This community requires renters insurance before you can sign a lease, and with rent at $1,642 – $2,680, you'll want to know exactly what that adds to your monthly bill. We estimate coverage here runs about $18/mo — below we break down the lease requirements, compare carriers, and show you how to get the best rate.

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2801 Biltmore Park Dr, Orlando, FL 32835

West Orlando

Built 2004 3 stories 432 units
4.4/5 ·1228 reviews Google
5/5 ·45 reviews Apt. Finder
$1,642 – $2,680 /month

Monthly Cost Breakdown at Estates at Park Avenue Apartments

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

Total Monthly Cost $1,800 – $2,838
Base Rent $1,642 – $2,680
Required Monthly Fees $140
Est. Renters Insurance $18/mo

Renters Insurance at Estates at Park Avenue Apartments

Estates at Park Avenue Apartments's website requires tenants to carry renters insurance. The exact coverage minimums may vary by unit type, so confirm the specifics with the leasing office when you apply.

Lease Requirements

Interested party* Add property to policy
See how your options compare. Get a quote

* An "interested party" is the property management company listed on your insurance policy. It doesn't give them any claim rights — it just means they get notified if your policy lapses, which is how the leasing office verifies you stay insured.

One thing to watch for: when you purchase your policy, most carriers have a field where you add the property as an interested party — skip that step and your proof may get rejected. It takes 30 seconds during checkout. Start a quote to see which carriers handle this automatically.

In Estates at Park Avenue Apartments's own words:

"BREED RESTRICTIONS: Excluded dog breeds include Akita, Alaskan Malamute, American Bull Dog, American Pit Bull Terrier, American or Bull Staffordshire Terrier, Bullmastiff, Bull Terrier, Chinese Shar-Pei, Dalmatian, Doberman Pinscher, Presa Canario, Pit Bull, Rottweiler, Siberian Husky, Stafford Terrier, Chow, German Shepherd and any mix thereof. Letter required by Certified Veterinarian for proof of breed, weight, and required vaccinations."

What Affects Your Premium Here

Every building is different. These factors specific to Estates at Park Avenue 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

Security System Issues

1 mentions of broken gates, cameras, or locks in reviews

FEMA Flood Zone

Zone X — minimal flood risk

AreaVibes

Crime grade: B+

What You'll Likely Pay

$18

Est. Monthly

$215

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 Estates at Park Avenue 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 Estates at Park Avenue Apartments:

Carrier Monthly Annual
Lemonade $10/mo $123/yr
USAA $12/mo $138/yr
State Farm $15/mo $184/yr
Progressive $17/mo $200/yr
Safeco $17/mo $200/yr
Travelers $18/mo $215/yr
Allstate $19/mo $230/yr
Nationwide $19/mo $230/yr
Farmers $20/mo $246/yr
Liberty Mutual $23/mo $276/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 $18/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. Estates at Park Avenue Apartments has on-site security features (Covered parking, Perimeter fencing) 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 Common topic
Safety Concerns Mentioned
Security System Failures Mentioned

On-Site Security

Covered parking Perimeter fencing

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Estates at Park Avenue Apartments.

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 Estates at Park Avenue Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

PEST

PEST Charged per unit.

$10 / mo

Trash Reimb

TRASH REIMB Charged per unit.

$25 / mo

Amenity Fee

SMART HOME Charged per unit.

$75 / mo

Application Fee

Online Application Fee Charged per applicant.

$80

Pets Fees

Pet Fees Or Charges

Pet Fee - Dog Charged per pet.

$400

Pet Rent

Pet Rent - Dog Charged per pet.

$25 / mo

Parking Fees

Garage - Parking

Garage - Parking Charged per vehicle.

$125 / mo

Amenities

Special Features

Classic Unit Plank Wood-Grain Flooring in Living Areas Garage

Community Features

Wi-Fi Maintenance on site Online Services Business Center Clubhouse Conference Rooms Walk-Up Fenced Lot Sundeck Cabana Courtyard Grill Fitness Center Pool Playground Tennis Court Media Center/Movie Theatre

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Air Conditioning Heating Ceiling Fans Cable Ready Dishwasher Disposal Granite Countertops Pantry Island Kitchen Eat-in Kitchen Kitchen Microwave Range Breakfast Nook Carpet Tile Floors Dining Room Built-In Bookshelves Crown Molding Vaulted Ceiling Bay Window Skylights Walk-In Closets Loft Layout Window Coverings Balcony Patio

Pet Policy

Bringing a pet? Here's what Estates at Park Avenue 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

About Estates at Park Avenue Apartments

Year Built: 2004
Stories: 3 stories
Units: 432
Phone: (321) 800-2773

From the property listing:

Estates at Park Avenue, Orlando, FL Apartments boast premier location great for both business and leisure. Located just minutes from I4 and SR408 the Estates at Park Avenue Apartments in Orlando (MetroWest) are perfect for commuters all across Florida. Choose from a variety of pet friendly one, two or three bedroom floor plans, each with choice amenities and an array of options such as hardwood plank-style flooring, washer & dryer, and beautiful kitchens. Our luxury Orlando address is just 15 minutes from Mall at Millenia and Universal Studios and is minutes from Valencia Community College.

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 Estates at Park Avenue Apartments require renters insurance?
Yes — you'll need an active renters insurance policy to sign a lease at Estates at Park Avenue Apartments. You'll need to add the property management as an interested party on your policy, which most carriers can do at no extra charge.
How much is renters insurance at Estates at Park Avenue Apartments?
For this zip code and building type, expect to pay around $18/month ($215/year). For context, the statewide average is $16/month, so this building is above average.
What will I actually pay per month at Estates at Park Avenue Apartments?
Plan for $1,800 to $2,838/month all-in. That's base rent ($1,642 – $2,680), plus $140/month in required fees (trash, utilities, etc.), plus roughly $18/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Estates at Park Avenue Apartments allow pets?
Yes, Estates at Park Avenue Apartments is pet-friendly. Here are the details: Cats and 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 Estates at Park Avenue Apartments?
The area is fairly safe, with a B+ crime grade. On the property itself, you'll find covered parking, perimeter fencing — features that can also qualify you for insurance discounts.
What floor plans does Estates at Park Avenue Apartments offer?
There are 13 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,642 – $2,680. 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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