Renters Insurance at Legacy Universal Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Legacy Universal 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
$12
Est. Monthly
$147
Est. Annual
$11
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 Legacy Universal 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 Legacy Universal Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $8/mo | $96/yr |
| USAA | $9/mo | $108/yr |
| State Farm | $12/mo | $144/yr |
| Progressive | $13/mo | $156/yr |
| Safeco | $13/mo | $156/yr |
| Travelers | $14/mo | $168/yr |
| Allstate | $15/mo | $180/yr |
| Nationwide | $15/mo | $180/yr |
| Farmers | $16/mo | $192/yr |
| Liberty Mutual | $18/mo | $216/yr |
Discounts You May Qualify For
Next Step
See if you can beat $11/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. Legacy Universal Apartments has on-site security features (Package service, Controlled access, Property manager on site, Gated, Gated access, Package lockers, 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.
What residents talk about most
Management
Consistently positive in reviews
“The staff is friendly and are always willing to help.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
For a renter, the natural-hazard story at this address is the easy version: flood risk is low, earthquake shaking is rare, and severe weather in Orange County doesn't drive an unusual claim profile. A baseline renters policy is sufficient — none of the optional flood or earthquake endorsements pay back at this kind of address. The data is below for completeness.
Flood damage
This address is in one of FEMA's lower flood-risk classifications. Standard renters policies don't cover flood damage anywhere, but in low-risk zones the cost of a separate NFIP policy generally isn't justified by the expected loss. The detail is below mostly for completeness.
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.
Earthquake shaking
Earthquakes happen rarely enough at this location that an earthquake-specific endorsement isn't a meaningful insurance decision. A baseline renters policy still covers the claims you'd actually file. The USGS-level detail is included below mostly for thoroughness.
Low seismic hazard · ground motion 0.03g
Skipping the endorsement is a defensible choice at this hazard level. Theft, fire, lightning, and most water damage stay covered under your standard renters policy regardless.
Hazard data from USGS National Seismic Hazard Model. The ground-motion figure is the level USGS expects to be exceeded with about 2% probability over a 50-year horizon — the standard reference used in building codes.
Severe weather you'd actually claim for
Severe-weather activity in Orange County is at the low end. Standard renters insurance already covers wind and hail damage to your stuff, so the data below is more context than coverage gap.
Source: NOAA Storm Events Database, annual averages from the past five years for Orange County. Counts reflect reported events, not damage amounts.
Renters at this address generally don't need optional natural-hazard add-ons. The base policy already covers the realistic claim scenarios.
7420 Universal Blvd, Orlando, FL 32819
Universal
Monthly Cost Breakdown at Legacy Universal Apartments
The listed rent isn't the whole number. Here's what Legacy Universal Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Legacy Universal Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Valet Trash
Charged per unit.
Pest Control
Charged per unit.
Cable
Charged per unit.
High Speed Internet Access
Charged per unit.
Package Services
Charged per unit.
Application Fee Per Applicant
Charged per applicant.
Administrative Fee
Charged per unit.
Pets Fees
One-Time Pet Fee
Max of 255. Charged per pet.
Monthly Pet Fee
Max of 255. Charged per pet.
Pet Policy
Bringing a pet? Here's what Legacy Universal 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 Legacy Universal Apartments
From the property listing:
Legacy Universal is a new high-rise apartment community in the heart of downtown Orlando. Located just off I-4 at the intersection of Magnolia and Livingston, Legacy Universal features state-of-the-art amenities, ground-level shops and restaurants, and a pocket park at your doorstep. This innovative metropolitan design provides the convenience of urban living with the feel of a natural environment. Within walking distance of Lake Eola, Church Street, and the Central Business District, Legacy Universal is an oasis of modern luxury for the active urban dweller.
Frequently Asked Questions
Does Legacy Universal Apartments require renters insurance?
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What will I actually pay per month at Legacy Universal Apartments?
Does Legacy Universal Apartments allow pets?
How safe is the area around Legacy Universal Apartments?
What floor plans does Legacy Universal Apartments offer?
Is SafeButler affiliated with Legacy Universal Apartments?
What is SafeButler and how does it work for Legacy Universal Apartments renters?
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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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