Renters Insurance at Kestra Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Kestra 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
AreaVibes
Crime grade: B+
What You'll Likely Pay
$14
Est. Monthly
$163
Est. Annual
$13
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 Kestra Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$20,000
If you own more
$50,000
Liability
Covers accidental harm & lawsuits
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 Kestra 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
Next Step
See if you can beat $13/mo
6 discounts may apply here. Real quotes show your actual price — estimates can't.
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. Kestra Apartments has on-site security features (Controlled access, Property manager on site, Concierge, Gated, Doorman, Covered parking) that insurers recognize with premium discounts.
On-Site Security
10387 Vista Oaks Ct, Orlando, FL 32836
I Drive
Monthly Cost Breakdown at Kestra Apartments
The listed rent isn't the whole number. Here's what Kestra Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Kestra Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Parking Fee
Amount for parking space/services. May be subject to availab ility. Charged per unit.
Pest Control Services
Amount for pest control services. Charged per unit.
Trash Services - Doorstep
Amount for doorstep trash removal from rental home. Charged per unit.
Trash Administrative Fee
Amount to manage trash service billing. Charged per unit.
Utility - Billing Administrative Fee
Amount to manage utility services billing. Charged per unit.
Utility - Electric - Third Party
Usage-Based (Utilities).Amount for provision and consumption of electric paid to a third party. Charged per unit. Payable to 3rd Party
Utility - Water/Sewer
Usage-Based (Utilities).Amount for provision and/or consumpt ion of water and sewer services Charged per unit.
Renters Liability Insurance - Third Party
Amount for renters liability insurance obtained through resi dent's provider of choice. Charged per leaseholder. Payable to 3rd Party
Administrative Fee
Amount to facilitate move-in process for a resident. Charged per unit.
Application Fee
Amount to process application, initiate screening, and take a rental home off the market. Charged per applicant.
Utility - New Account Fee
Amount to establish utility services. Charged per unit.
Security Deposit (Refundable)
Amount intended to be held through residency that may be app lied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit.
Utility - Final Bill Fee
Amount billed to calculate final utility statement. Charged per unit.
Pets Fees
Pet Fee - Additional Pet
We welcome 2 pets per apartment home, there is a $350 fee fo r the first pet, $500 for two pets.
Pet Fee
Max of 2. Amount to facilitate authorized pet move-in. Charg ed per pet.
Pet Rent
Max of 1. Monthly amount for authorized pet. Charged per pet
Pet Management - Third Party
Max of 1. Amount for authorized pet registration and screeni ng services. Charged per pet. Payable to 3rd Party
Parking Fees
Parking Fee
Max of 1. Amount for garage parking space/services. May be s ubject to availability. Charged per rentable item.
Garage Lot
Detached Garages are offered
Optional Add-On Fees
Renters Liability/Content - Property Program
Amount to participate in the property Renters Liability Pro gram. Charged per unit.
Situational Fees
Security Deposit - Additional (Refundable)
Additional amount, based on screening results, intended to b e held through residency that may be applied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit.
Security Deposit Alternative
Amount for alternate program in lieu of paying a traditional security deposit. Charged per unit.
Renters Liability Only - Non-Compliance
Amount for not maintaining required Renters Liability Policy Charged per unit.
Trash Container - Replacement
Amount to replace trash/waste container. Charged per unit.
Pet/Animal Violation - Waste
Amount for violation of community policies related to pet or assistance animal waste. Charged per unit.
Lease Violation - Trash
Amount for violation of waste-related community policies. C harged per unit.
Access Device - Replacement
Amount to obtain a replacement access device for community; fobs, keys, remotes, access passes. Charged per device.
Access/Lock Change Fee
Amount to change or reprogram access to rental home. Charged per unit.
Late Fee
Amount for paying after rent due date; per terms of lease. Charged per unit.
Returned Payment Fee (NSF)
Amount for returned payment. Charged per unit.
Utility - Vacant Processing Fee
Amount for failing to transfer utilities into resident name. Charged per unit.
Intra-Community Transfer Fee
Amount due when transferring to another rental unit within c ommunity. Charged per unit.
Liquidated Damages
Amount for not satisfying the application and/or lease terms Charged per unit.
Early Lease Termination/Cancellation
Amount to terminate lease earlier than lease end date; exclu des rent and other charges. Charged per unit.
Legal/Eviction Fees
Amount for legal expenses incurred for lease violations. Cha rged per unit.
Utility - Vacant Cost Recovery
Amount for utility usage not transferred to resident respons ibility any time during occupancy. Charged per unit.
Payment Services - Third Party
Amount for using a third party, electronic payment processin g service (i.e. credit card, ACH, etc.). Charged per unit. Payable to 3rd Party
Pet Policy
Bringing a pet? Here's what Kestra 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.
About Kestra Apartments
From the property listing:
Welcome to KestraWhen it comes to choosing an apartment, expected shouldn't be the status quo. At Kestra, we've redefined the norm and raised the bar, providing residents with the opportunity to live a more distinctive lifestyle. To discover something unexpected. To outgrow average and to excel at living. To connect with home, naturally.
Frequently Asked Questions
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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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