Renters Insurance at Twelve Oaks at Windermere Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Twelve Oaks at Windermere Apartments can push your insurance cost up or down:
Older Building
Built in 1987 — older plumbing/electrical may increase risk
Gated Community
Gated access reduces theft risk — may qualify for security discount
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
$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 Twelve Oaks at Windermere 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 Twelve Oaks at Windermere 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. Twelve Oaks at Windermere Apartments has on-site security features (Gated) 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
Natural Hazards & Your Renters Coverage
At Twelve Oaks at Windermere Apartments, none of the three big natural hazards a renter might worry about — flooding, earthquakes, severe weather — show up as meaningful concerns. A standard renters policy without endorsements covers the actual claim risks here. The agency-by-agency detail is below if you want to see it.
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.
The natural-hazard picture is favorable enough that a baseline renters policy is the right end-state for most renters here. No upgrade required.
6025 Oakshadow St, Orlando, FL 32835
West Orlando
Monthly Cost Breakdown at Twelve Oaks at Windermere Apartments
The listed rent isn't the whole number. Here's what Twelve Oaks at Windermere Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Twelve Oaks at Windermere Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Community Amenity Fee
Fee for access to shared resident amenities and facilities. Charged per unit.
Trash Services - Doorstep
Fee for doorstep trash and recycle pickup service. Charged p er unit.
Pest Control Services
Regular pest prevention and treatment services. Charged per unit.
Trash Admin
Administrative costs for managing trash service billing, coo rdination, and related expenses for your apartment. Charged per unit.
Package Management
Handling and storage of resident deliveries. Charged per uni t.
Utility Service Fee
Monthly fee for utility bill processing and administration. Charged per unit.
Utility Water / Wastewater Admin Fee
Covers administrative costs associated with billing and mana ging water utility services. Charged per unit.
Common Area Utilities
Shared utility costs in community common areas. Charged per unit.
Application Fee
Administrative processing fee to cover lease preparation. Ch arged per applicant.
Admin Fee
Fee to process rental application and background check Charg ed per unit.
Package Management Setup
Charge for establishing resident access to the package manag ement system. Charged per unit.
Pets Fees
Dog Fee
Charged per pet.
Dog Rent
Charged per pet.
Cat Fee
Charged per pet.
Cat Rent
Charged per pet.
Pet Fee
Fee for allowing pets in the home. Charged per pet.
Pet / Animal Lease Violation
Fee issued for unauthorized pets or violations of pet policy Charged per pet.
Pet Fee
Charged per pet.
Pet Rent
monthly charge for keeping a pet in the home. Charged per pe t.
Optional Add-On Fees
Rent Payment Credit Building Service
Build credit by paying rent on time while gaining access to personalized budgeting tools and financial education resources. Charged per unit.
Situational Fees
Utility - Final Bill Fee
One-time charge for processing and closing a utility account Charged per unit.
Utility - New Account Fee
One-time charge to activate new utility services. Charged pe r unit.
Intra-Community Transfer Fee
Charge for transferring to another home within the same comm unity. Charged per unit.
Security Deposit (Refundable)
Refundable deposit covering potential damages and unpaid ren t per lease terms. Charged per unit.
Security Deposit Alternative
Alternative to a standard security deposit typically issued through a surety bond. Charged per unit.
MTM Flat Fee
Month to Month Flat Fee Charged per unit.
Renters Liability Non-Compliance
Fee for not maintaining required renters liability insurance coverage. Charged per unit.
Access Device Replacement
Charge to replace lost or damaged key, fob, or remote. Charg ed per unit.
NSF Tenant Fee
Charged per unit.
Late Fee (Percentage)
Calculated as a percentage of the base rent amount. Charged per unit.
Renter Liability - Third Party
Expense related to required liability coverage through a thi rd-party provider. Charged per unit.
Utility - Electric
Cost of electricity usage for your apartment. Charged per un it.
Utility - Gas
Cost of gas usage for your apartment. Charged per unit.
Utility - Stormwater / Drainage
Local stormwater management and drainage system fee. Charged per unit.
Utility - Water / Sewer
Water usage and wastewater removal costs. Charged per unit.
Utility - Non-transferred Utility Fee
Charge for utility costs not moved to residents name. Charge d per unit.
Concession Repayment
Tenant repayment of rent discounts if lease terms are not me t. Charged per unit.
Legal / Eviction Fee
Costs associated with an eviction proceeding. Charged per un it.
Lease Violation
Fee for non-compliance with lease terms or community policie s. Charged per unit.
Early Lease Termination / Buyout
Buyout for ending lease agreement before its scheduled end d ate. Charged per unit.
Utility - Vacant Cost Recovery
Utility costs incurred while the unit was unoccupied. Charge d per unit.
Insufficient Move-out Notice Fee
Charge for not providing proper advance notice before move-o ut. Charged per unit.
Pet Policy
Bringing a pet? Here's what Twelve Oaks at Windermere 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 Twelve Oaks at Windermere Apartments
From the property listing:
Life at Twelve Oaks is about making great lifestyle choices. Thats why our stunning one, two and three-bedroom apartments come with features centered around comfort and convenience including spacious closets, screened-in patios, in-unit washers and dryers, hardwood flooring, fireplaces and more! Relax by our resort-inspired pool or train in our fitness center. Host friends in the BBQ area while enjoying easy access to Floridas Turnpike. Here at Twelve Oaks, you can take comfort in true carefree Florida living.
Frequently Asked Questions
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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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