Renters Insurance at Lakes at 408 Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Lakes at 408 Apartments can push your insurance cost up or down:
Older Building
Built in 1985 — older plumbing/electrical may increase risk
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
$19
Est. Monthly
$226
Est. Annual
$17
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 Lakes at 408 Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$15,000
If you own more
$40,000
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 Lakes at 408 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
Next Step
See if you can beat $17/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. Lakes at 408 Apartments has on-site security features (Package service, Controlled access, Property manager on site, Gated, On site maintenance) that insurers recognize with premium discounts.
On-Site Security
Flood Risk
Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Lakes at 408 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.
7960 Pine Crossing Cir, Orlando, FL 32807
East Orlando
Monthly Cost Breakdown at Lakes at 408 Apartments
The listed rent isn't the whole number. Here's what Lakes at 408 Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Lakes at 408 Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Community Fee
Charged per unit.
Trash
Charged per unit.
Pest Control
Charged per unit.
Application Fee Per Applicant
Charged per applicant.
Hold Fee
Charged per unit.
Administrative Fee
Charged per unit.
Pet Policy
Bringing a pet? Here's what Lakes at 408 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 Lakes at 408 Apartments
From the property listing:
Sink into the comfort of a laidback lifestyle at Avisa Lakes in East Orlando, a community offering one and two-bedroom apartments for rent in a relaxed, garden-style community. Inside your home, a spacious layout greets you with contemporary wood-inspired vinyl flooring and a variety of features that will carry you through your daily routine. Cook in a fully equipped kitchen or unwind with movie night in your spacious living room with central heat and air. Here, convenience awaits around every corner.
Frequently Asked Questions
Does Lakes at 408 Apartments require renters insurance?
How much is renters insurance at Lakes at 408 Apartments?
What will I actually pay per month at Lakes at 408 Apartments?
Does Lakes at 408 Apartments allow pets?
How safe is the area around Lakes at 408 Apartments?
What floor plans does Lakes at 408 Apartments offer?
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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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