Lexington Court Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Lexington Court Apartments in Downtown Orlando? Rent here runs $1,269 – $2,059, 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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315 W Concord St, Orlando, FL 32801

Downtown Orlando

Built 2015 5 stories 108 units
3.5/5 ·129 reviews Google
Apt. Finder
$1,269 – $2,059 /month

Monthly Cost Breakdown at Lexington Court Apartments

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

Total Monthly Cost $1,287 – $2,077
Base Rent $1,269 – $2,059
Est. Renters Insurance $18/mo

Renters Insurance at Lexington Court Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Lexington Court Apartments can push your insurance cost up or down:

Open Access

No gated or controlled access — higher theft exposure

Water/Leak Issues

4 mentions in Google reviews

Pest Issues

3 mentions in Google reviews

FEMA Flood Zone

Zone X — minimal flood risk

AreaVibes

Crime grade: B+

What You'll Likely Pay

$18

Est. Monthly

$213

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 Lexington Court Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$25,000 recommended

If you own less

$15,000

If you own more

$40,000

Liability

Covers accidental harm & lawsuits

$100,000 recommended

Standard minimum for most lease requirements in Florida

How Carriers Compare for This Area

Not all carriers price the same zip code equally. Here's how the major options stack up near Lexington Court Apartments:

Carrier Monthly Annual
Lemonade $11/mo $128/yr
USAA $12/mo $144/yr
State Farm $16/mo $192/yr
Progressive $17/mo $208/yr
Safeco $17/mo $208/yr
Travelers $19/mo $224/yr
Allstate $20/mo $240/yr
Nationwide $20/mo $240/yr
Farmers $21/mo $256/yr
Liberty Mutual $24/mo $289/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. Lexington Court Apartments has on-site security features (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
Water Damage Common topic
Pest Issues Common topic
Noise Mentioned
Slip/Fall Hazards Mentioned
Safety Concerns Mentioned

On-Site Security

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 Lexington Court 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 Lexington Court Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Holding Fee

Payment due upon completion of acceptable background screening. Applied toward security deposit at move in. Non-refundable if applicant cancels their application. Charged per unit.

$150

Administrative Fee

Non-Refundable & will collect prior to move-in. For Market Rate Applicants only. Charged per unit.

$250

Application Fee Per Applicant

Charged per applicant.

$60

Situational Fees

Animal Waste Fine

Charged per occurrence.

$200 / occurence

Month to Month Tenancy

Rent Increases to Current Market Rent Charged per occurrence

$300 / occurence

Trash Violation Fine

First offense $50, Second offense $75, Third and subsequent offenses $100; Bulk trash: $100/small item (1 person), $150/large item (2+ people), $250/hazardous (tires, appliances, batteries). Charged per occurrence.

Varies / mo

Amenities

Community Features

Elevator Business Center Clubhouse Fitness Center

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Air Conditioning Ceiling Fans Smoke Free Wheelchair Accessible (Rooms) Dishwasher Disposal Granite Countertops Stainless Steel Appliances Pantry Kitchen Microwave Range Refrigerator Walk-In Closets Balcony Patio

About Lexington Court Apartments

Year Built: 2015
Stories: 5 stories
Units: 108
Phone: (689) 219-6092

From the property listing:

Lexington Court is an affordable apartment community located in beautiful Downtown Orlando on the corner of West Concord Street and North Hughey Avenue. Commute easily with access to Interstate 4 and SR-408/East-West Expressway. Lexington Court Apartments is a mixed-income community that offers apartment homes for unrestricted and restricted-income residents. Centrally located, Lexington Court offers convenient access to the essential needs of our residents, including local entertainment, shopping, and dining.

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 Lexington Court Apartments require renters insurance?
We didn't find a public insurance requirement for Lexington Court Apartments, but that doesn't mean there isn't one. Many communities add the requirement during lease signing. It's worth asking the leasing office directly — and 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 Lexington Court Apartments?
For this zip code and building type, expect to pay around $18/month ($213/year). For context, the statewide average is $16/month, so this building is above average.
What will I actually pay per month at Lexington Court Apartments?
Plan for $1,287 to $2,077/month all-in. That's base rent ($1,269 – $2,059), plus roughly $18/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
How safe is the area around Lexington Court Apartments?
The area is fairly safe, with a B+ crime grade. On the property itself, you'll find covered parking — features that can also qualify you for insurance discounts.
What floor plans does Lexington Court Apartments offer?
There are 8 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,269 – $2,059. 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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