Renters Insurance at Misty Oaks Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Misty Oaks Apartments can push your insurance cost up or down:
Older Building
Built in 1984 — older plumbing/electrical may increase risk
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
Dog-Friendly
Dogs allowed — consider higher liability coverage
Security System Issues
1 mentions of broken gates, cameras, or locks in reviews
FEMA Flood Zone
Zone X — minimal flood risk
AreaVibes
Crime grade: B+
What You'll Likely Pay
$19
Est. Monthly
$226
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 Misty Oaks 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 Misty Oaks 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 $18/mo
5 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. Misty Oaks Apartments has on-site security features (Controlled access, Property manager on site) 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.
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 Misty Oaks 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.
744 Spring West Rd, Orlando, FL 32818
West Orlando
Monthly Cost Breakdown at Misty Oaks Apartments
The listed rent isn't the whole number. Here's what Misty Oaks Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Misty Oaks Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Application Fee Per Applicant
Charged per applicant.
Administrative Fee
Charged per unit.
Pets Fees
Pet Fee
Max of 2. Charged per pet.
Pet Policy
Bringing a pet? Here's what Misty Oaks 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 Misty Oaks Apartments
From the property listing:
Welcome Home to Misty Oaks Apartments located just minutes from the Florida Turnpike and the I-4 corridor making Downtown Orlando a short and simple commute. Our exceptionally convenient location puts you in close proximity to a great number of exciting entertainment venues, dining and shopping options to satisfy any one's taste! A peaceful and comfortable apartment home is in your future.
Frequently Asked Questions
Does Misty Oaks Apartments require renters insurance?
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What will I actually pay per month at Misty Oaks Apartments?
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How safe is the area around Misty Oaks Apartments?
What floor plans does Misty Oaks 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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