Orlando, FL

Hawthorne Groves Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Hawthorne Groves Apartments in West Orlando? Rent here runs $1,466 – $2,347, and renters insurance adds about $18/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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204 Hawthorne Groves Blvd, Orlando, FL 32835

West Orlando

Built 2001 2 stories 328 units
4/5 ·253 reviews Google
5/5 ·111 reviews Apt. Finder
$1,466 – $2,347 /month

Monthly Cost Breakdown at Hawthorne Groves Apartments

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

Total Monthly Cost $1,595 – $2,476
Base Rent $1,466 – $2,347
Required Monthly Fees $111
Est. Renters Insurance $18/mo

Renters Insurance at Hawthorne Groves Apartments

We found a few insurance details on Hawthorne Groves Apartments's website. Your lease may have additional requirements — treat these as a starting point.

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.

What Affects Your Premium Here

Every building is different. These factors specific to Hawthorne Groves 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

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

$18

Est. Monthly

$215

Est. Annual

$16

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 Hawthorne Groves 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 Hawthorne Groves 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

Gated community
-5%
Controlled access
-3%
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

6 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. Hawthorne Groves Apartments has on-site security features (Controlled access, Property manager on site, Gated, 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 Common topic

On-Site Security

Controlled access Property manager on site Gated 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 Hawthorne Groves 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 Hawthorne Groves 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

Pest Control Services

Amount for pest control services. Charged per unit.

$5 / mo

Utility - Billing Administrative Fee

Amount to manage utility services billing. Charged per unit.

$6.15 / 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

Common Area - Electric

Usage-Based (Utilities).Shared amount for common area electric usage. 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

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.

$300

Application Fee

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

$75

Utility - New Account Fee

Amount to establish utility services. Charged per unit.

$15

Administrative Fee

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

$285

Utility - Final Bill Fee

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

$10

Pets Fees

Pet Fee

We welcome 2 pets per apartment home. There is a $350 pet fee per pet. Pet rent is $15 per month. Aggressive breeds are prohibited. Please call our leasing office for complete pet policy.

$350

Pet Rent

Max of 2. Monthly amount for authorized pet. Charged per pet

$15 / mo

Pet Management - Third Party

Max of 1. Amount for authorized pet registration and screening services. Charged per pet. Payable to 3rd Party

$28 - $52 / yr

Parking Fees

Parking Fee

Max of 1. Amount for garage parking space/services. May be subject to availability. Charged per rentable item.

$135 / mo

Parking Fee

Max of 1. Amount for covered parking space/services. May besubject to availability. Charged per rentable item.

$25 / mo

Garage Lot

Parking Available

Surface Lot

Parking Available

Other

Carport & Garage Parking available. Please call for details.

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

Positive Credit Reporting Services

Amount to send positive payment history to credit reporting agency(ies); per person. Charged per leaseholder. Payable to 3rd Party

$7 - $15 / mo

Lease Violation - Trash

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

$25 / occurence

Trash Container - Replacement

Amount to replace trash/waste container. Charged per unit.

$25 / occurence

Intra-Community Transfer Fee

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

$350 / occurence

Access/Lock Change Fee

Amount to change or reprogram access to rental home. Chargedper unit.

$50 / occurence

Pet/Animal Violation - Waste

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

$50 / occurence

Late Fee

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

$50 / occurence

Access Device - Replacement

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

$50 / occurence

Utility - Vacant Processing Fee

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

$50 / occurence

Returned Payment Fee (NSF)

Amount for returned payment. Charged per unit.

$55 / 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

Legal/Eviction Fees

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

Varies / occurrence

Payment Services - Third Party

Amount for using a third party, electronic payment processing service (i.e. credit card, ACH, etc.). Charged per unit. Payable to 3rd Party

Varies / occurrence

Amenities

Special Features

Beautifully Landscaped Grounds Corporate Housing Available Full Size Washer & Dryer in Unit Parking Bilingual Lake Views and Serene Wooded Available Barbecue and Picnic Area Easy Access to Major Highways Upgraded Cabinets Wooded View All Corner Units Carport and Garage Parking Close to Fine Dining Easy Access to Shopping and Entertainment Abundant Parking for You and Your Guests Ask About Our Upgrade Packages! Close to Schools and Hospitals Clubhouse with Gourmet Kitchen and Coffee Bar Heated Spa Close to Public Transportation Lake view All Electric Kitchen Breakfast Bar Clubhouse with Seating and Flat Screen TVs Doggie Stations Dogs and Cats Welcome Eat-in area Near Jogging and Biking Trails Short-Term Lease Available

Community Features

Maintenance on site 24 Hour Access Business Center Clubhouse Walk-Up Picnic Area Fitness Center Pool Playground Tennis Court Walking/Biking Trails

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Air Conditioning Storage Space Dishwasher Kitchen Walk-In Closets

Pet Policy

Bringing a pet? Here's what Hawthorne Groves 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
$15 Monthly Pet Rent
$350 Fee
2 Pet Limit

About Hawthorne Groves Apartments

Year Built: 2001
Stories: 2 stories
Units: 328
Phone: (813) 807-4454

From the property listing:

A new way of life in harmony with nature is in store for you at Hawthorne Groves where you'll enjoy the rich, plush landscaping of Florida's heritage and live in one of our spaciously designed 1, 2 or 3 bedroom apartment homes. At Hawthorne Groves you'll enjoy easy access to the Florida Turnpike and the 408 East/West Expressway. Hawthorne Groves is only 10 minutes from exciting downtown Orlando.

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 Hawthorne Groves Apartments require renters insurance?
We found specific coverage details on Hawthorne Groves Apartments's website — these likely reflect lease requirements, but confirm with the leasing office. 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 Hawthorne Groves Apartments?
For this zip code and building type, expect to pay around $18/month ($215/year). Hawthorne Groves Apartments has security features that qualify for discounts — with those applied, you could pay as little as $16/month. For context, the statewide average is $16/month, so this building is above average.
What will I actually pay per month at Hawthorne Groves Apartments?
Plan for $1,595 to $2,476/month all-in. That's base rent ($1,466 – $2,347), plus $111/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 Hawthorne Groves Apartments allow pets?
Yes, Hawthorne Groves Apartments is pet-friendly. Here are the details: Cats and Dogs Allowed. $15 Monthly Pet Rent. $350 Fee. 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 Hawthorne Groves Apartments?
The area is fairly safe, with a B+ crime grade. On the property itself, you'll find controlled access, property manager on site, gated, covered parking — features that can also qualify you for insurance discounts.
What floor plans does Hawthorne Groves Apartments offer?
There are 10 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,466 – $2,347. 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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