Lorenzo At East Mil Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Lorenzo At East Mil Apartments in Park Central? Rent here runs $1,143 – $1,500, and renters insurance adds about $20/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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1968 Lake Heritage Cir, Orlando, FL 32839

Park Central

Managed by S2 Capital Built 1986 3 stories 400 units
3.4/5 ·612 reviews Google
4/5 ·27 reviews Apt. Finder
$1,143 – $1,500 /month

Monthly Cost Breakdown at Lorenzo At East Mil Apartments

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

Total Monthly Cost $1,703 – $2,060
Base Rent $1,143 – $1,500
Required Monthly Fees $540
Est. Renters Insurance $20/mo

Renters Insurance at Lorenzo At East Mil Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Lorenzo At East Mil Apartments can push your insurance cost up or down:

Older Building

Built in 1986 — 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

$20

Est. Monthly

$236

Est. Annual

$18

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 Lorenzo At East Mil 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

$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 Lorenzo At East Mil 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

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 $18/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. Lorenzo At East Mil Apartments has on-site security features (Package service, Controlled access, Property manager on site, Gated, On site maintenance) 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
Pest Issues Mentioned
Management Issues Mentioned
Slip/Fall Hazards Mentioned

On-Site Security

Package service Controlled access Property manager on site Gated On site maintenance

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Lorenzo At East Mil 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 Lorenzo At East Mil Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

CAM Fee

Charged per unit.

$135 / mo

Utility - Water

Charged per unit.

Usage-Based

Utility - Sewer

Charged per unit.

Usage-Based

Utility - Gas

Charged per unit.

Usage-Based

Utility - Electric

Charged per unit.

Usage-Based

Administrative Fee

Charged per unit.

$100

Security Deposit - Refundable

Charged per unit.

$250

Application Fee Per Applicant

Charged per applicant.

$75

Pets Fees

One-Time Pet Fee

Max of 2. Charged per pet.

$0 - $400

Monthly Pet Fee

Max of 2. Charged per pet.

$25 / mo

Parking Fees

Parking Deposit

Charged per vehicle.

Free

Parking Fee

Charged per vehicle.

Free

Situational Fees

Returned Payment Fee (NSF)

Charged per occurrence.

$50 / occurence

Transfer & Sublet

Charged per occurrence.

$500 / occurence

Month to Month Fees

Charged per occurrence.

$500 / occurence

Late Fee

Charged per occurrence.

10% of base rent / occurence

Early Lease Termination/Cancellation

One months rent Charged per occurrence.

Varies / occurrence

Attorney Fees

Charged per occurrence.

Varies / occurrence

Cleaning and Damage Fees

Charged per occurrence.

Varies / occurrence

Amenities

Special Features

SPECIAL225 SPECIAL25 Beautiful Lake Views Fitness & Cardio Center On-Site Laundry Centers SPECIAL175 SPECIAL200 AGING 100 Playscape for the Kids Resident Clubhouse Lounge Resort Style Pool w/ Sun Deck 1, 2 & 3 Bedroom Apartments Homes SPECIAL100 SPECIAL75 24-Hour Emergency Maintenance Picnic Area with Outdoor Grills SPECIAL125 SPECIAL150 Gazebo & Pond with Fountain Views SPECIAL50

Community Features

Community-Wide WiFi Laundry Facilities Maintenance on site Planned Social Activities Public Transportation Wheelchair Accessible Business Center Clubhouse Lounge Walk-Up Sundeck Cabana Courtyard Grill Picnic Area Waterfront Pond Fitness Center Pool Playground

Floor Plan Amenities

High Speed Internet Access Wi-Fi Washer/Dryer Hookup Air Conditioning Heating Ceiling Fans Cable Ready Storage Space Tub/Shower Fireplace Handrails Wheelchair Accessible (Rooms) Dishwasher Disposal Ice Maker Granite Countertops Stainless Steel Appliances Pantry Island Kitchen Kitchen Microwave Oven Refrigerator Carpet Vinyl Flooring Built-In Bookshelves Vaulted Ceiling Walk-In Closets Linen Closet Window Coverings Balcony Patio Deck

Pet Policy

Bringing a pet? Here's what Lorenzo At East Mil 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.

Birds, Cats, Dogs, Fish, and Reptiles Allowed
$25 Monthly Pet Rent
2 Pet Limit

About Lorenzo At East Mil Apartments

Year Built: 1986
Stories: 3 stories
Units: 400
Management: S2 Capital
Phone: (689) 220-2140

From the property listing:

Our location is a short drive from numerous shopping, dining, and entertainment venues with the Florida Mall and the Mall at Millennia around the corner. Major entertainment destinations are also within reach like Disney World, Universal Orlando Resort, and Sea World! We offer brand new upgraded interiors – from fresh wood-style flooring to dazzling kitchens. And, with upgraded community amenities at our clubhouse including a state-of-the-art fitness center, everything you ?want for your lifestyle is within reach. At Lorenzo at East Mil, our apartment homes are designed with you in mind.

Other Options Nearby

Still weighing your choices? Other communities in Orlando — compare rent and estimated insurance cost side by side.

Frequently Asked Questions

Does Lorenzo At East Mil Apartments require renters insurance?
We didn't find a public insurance requirement for Lorenzo At East Mil 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 Lorenzo At East Mil Apartments?
For this zip code and building type, expect to pay around $20/month ($236/year). Lorenzo At East Mil Apartments has security features that qualify for discounts — with those applied, you could pay as little as $18/month. For context, the statewide average is $16/month, so this building is above average.
What will I actually pay per month at Lorenzo At East Mil Apartments?
Plan for $1,703 to $2,060/month all-in. That's base rent ($1,143 – $1,500), plus $540/month in required fees (trash, utilities, etc.), plus roughly $20/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Lorenzo At East Mil Apartments allow pets?
Yes, Lorenzo At East Mil Apartments is pet-friendly. Here are the details: Birds, Cats, Dogs, Fish, and Reptiles Allowed. $25 Monthly Pet Rent. 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 Lorenzo At East Mil Apartments?
The area is fairly safe, with a B+ crime grade. On the property itself, you'll find package service, controlled access, property manager on site, gated — features that can also qualify you for insurance discounts.
What floor plans does Lorenzo At East Mil Apartments offer?
There are 14 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,143 – $1,500. 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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