Orlando, FL

Valencia Trace Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Valencia Trace Apartments in East Orlando? Rent here runs $1,104 – $1,724, and renters insurance adds about $16/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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101 Grande Valencia Dr, Orlando, FL 32825

East Orlando

Built 2003 3 stories 228 units
3.9/5 ·153 reviews Google
Apt. Finder
$1,104 – $1,724 /month

Monthly Cost Breakdown at Valencia Trace Apartments

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

Total Monthly Cost $1,120 – $1,740
Base Rent $1,104 – $1,724
Est. Renters Insurance $16/mo

Renters Insurance at Valencia Trace Apartments

We found a few insurance details on Valencia Trace Apartments's website. Your lease may have additional requirements — treat these as a starting point.

Lease Requirements

Interested party* Add property to policy
See how your options compare. Get a quote

* An "interested party" is the property management company listed on your insurance policy. It doesn't give them any claim rights — it just means they get notified if your policy lapses, which is how the leasing office verifies you stay insured.

One thing to watch for: when you purchase your policy, most carriers have a field where you add the property as an interested party — skip that step and your proof may get rejected. It takes 30 seconds during checkout. Start a quote to see which carriers handle this automatically.

What Affects Your Premium Here

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

Open Access

No gated or controlled access — higher theft exposure

FEMA Flood Zone

Zone X — minimal flood risk

AreaVibes

Crime grade: B+

What You'll Likely Pay

$16

Est. Monthly

$196

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 Valencia Trace 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

Pool on premises — higher liability recommended for accidents at shared amenities

How Carriers Compare for This Area

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

Carrier Monthly Annual
Lemonade $9/mo $112/yr
USAA $11/mo $126/yr
State Farm $14/mo $168/yr
Progressive $15/mo $182/yr
Safeco $15/mo $182/yr
Travelers $16/mo $196/yr
Allstate $18/mo $210/yr
Nationwide $18/mo $210/yr
Farmers $19/mo $224/yr
Liberty Mutual $21/mo $252/yr

Discounts You May Qualify For

Alarm-ready unit
-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 $16/mo

5 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. Valencia Trace Apartments has on-site security features (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.

Maintenance Issues Common topic

On-Site Security

Property manager on site

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Valencia Trace 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 Valencia Trace 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.

$85

Amenities

Special Features

Sparkling Swimming Pool Car Care Center Kids' Playground Walking Distance From Valencia Community College Beautiful Clubhouse with Computer Lab Fitness Center Volleyball Court Washer/Dryer Hook-ups Full Basketball Court Intrusion Alarms Optional Minutes From Waterford Lakes

Community Features

Maintenance on site Car Wash Area Public Transportation Business Center Clubhouse Walk-Up Fitness Center Pool Playground Basketball Court Tennis Court Volleyball Court

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Washer/Dryer Hookup Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Security System Wheelchair Accessible (Rooms) Dishwasher Disposal Eat-in Kitchen Kitchen Microwave Oven Refrigerator Freezer Carpet Tile Floors Walk-In Closets Window Coverings

Pet Policy

Bringing a pet? Here's what Valencia Trace Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.

No Pets Allowed

About Valencia Trace Apartments

Year Built: 2003
Stories: 3 stories
Units: 228
Phone: (321) 320-7940

From the property listing:

Valencia Trace is your connection to a higher standard of living. Our premier location in Orlando, Florida, is well-located near Valencia College East Campus. Choose from spacious and stylish one, two, three, and four bedroom apartments equipped with all the contemporary comforts you’ve been looking for. The resort-inspired community boasts a few extras, including a sand volleyball court, swimming pool, tennis court, and fitness center.

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 Valencia Trace Apartments require renters insurance?
We found specific coverage details on Valencia Trace Apartments's website — these likely reflect lease requirements, but confirm with the leasing office. 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 Valencia Trace Apartments?
For this zip code and building type, expect to pay around $16/month ($196/year). For context, the statewide average is $16/month, so this building is right around average.
What will I actually pay per month at Valencia Trace Apartments?
Plan for $1,120 to $1,740/month all-in. That's base rent ($1,104 – $1,724), plus roughly $16/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Valencia Trace Apartments allow pets?
No, Valencia Trace Apartments does not allow pets.
How safe is the area around Valencia Trace Apartments?
The area is fairly safe, with a B+ crime grade. On the property itself, you'll find property manager on site — features that can also qualify you for insurance discounts.
What floor plans does Valencia Trace Apartments offer?
There are 4 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom, 4-bedroom layouts. Rent ranges from $1,104 – $1,724. 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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