1816 Carrollwood Common Townhouse: Renters Insurance Guide & What It Actually Costs

Renters Insurance at 1816 Carrollwood Common Townhouse

What Affects Your Premium Here

Every building is different. These factors specific to 1816 Carrollwood Common Townhouse can push your insurance cost up or down:

What You'll Likely Pay

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 1816 Carrollwood Common Townhouse based on the rent level and building features.

How Carriers Compare for This Area

Not all carriers price the same zip code equally. Here's how the major options stack up near 1816 Carrollwood Common Townhouse:

Discounts You May Qualify For

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 Chesapeake.

Near-average property crime means insurance premiums in Chesapeake track closely with national baselines. 1816 Carrollwood Common Townhouse also has on-site security features (Covered parking, Perimeter fencing) that insurers recognize with discounts.

Source: FBI UCR Program, Chesapeake (2024-12 to 2025-11)

On-Site Security

Natural Hazards & Your Renters Coverage

At 1816 Carrollwood Common Townhouse, 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

FEMA's flood-zone classification for this address is low-risk, which means the federal government doesn't expect significant flooding here under typical conditions. A standard renters policy still excludes flood damage, but a separate flood policy is hard to justify economically when the underlying risk is low. The zone label is below for the record.

Flood zone data from FEMA National Flood Hazard Layer (NFHL). Zones can change — verify at FEMA Flood Map Service.

Earthquake shaking

USGS rates seismic activity here as low. A damaging earthquake is unlikely enough that most renters skip the earthquake endorsement entirely — your standard renters policy still covers the things you actually claim against (theft, fire, water damage from leaks, wind damage). The hazard data is below for completeness.

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

NOAA's severe-weather record for Virginia Beach (city) is on the calmer end of the national distribution — modest activity across most categories. Whatever does happen, your renters policy already covers it (wind, hail, lightning damage to your possessions). The five-year averages are below.

Source: NOAA Storm Events Database, annual averages from the past five years for Virginia Beach (city). 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.

Monthly Cost Breakdown at 1816 Carrollwood Common Townhouse

The listed rent isn't the whole number. Here's what 1816 Carrollwood Common Townhouse actually costs each month once you add required fees and insurance.

About 1816 Carrollwood Common Townhouse

From the property listing:

Frequently Asked Questions