Renters Insurance at Magnolia Chase Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Magnolia Chase Apartments can push your insurance cost up or down:
Open Access
No gated or controlled access — higher theft exposure
Dog-Friendly
Dogs allowed — consider higher liability coverage
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 1487/100K (6% below national average)
What You'll Likely Pay
$15
Est. Monthly
$176
Est. Annual
$14
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 Magnolia Chase Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$25,000
If you own more
$60,000
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 Magnolia Chase Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $8/mo | $96/yr |
| USAA | $9/mo | $108/yr |
| State Farm | $12/mo | $144/yr |
| Progressive | $13/mo | $156/yr |
| Safeco | $13/mo | $156/yr |
| Travelers | $14/mo | $168/yr |
| Allstate | $15/mo | $180/yr |
| Nationwide | $15/mo | $180/yr |
| Farmers | $16/mo | $192/yr |
| Liberty Mutual | $18/mo | $216/yr |
Discounts You May Qualify For
Next Step
See if you can beat $15/mo
4 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 Virginia Beach.
Virginia Beach property crime rate
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
U.S. average
Near-average property crime means insurance premiums in Virginia Beach track closely with national baselines. Magnolia Chase Apartments also has on-site security features (Covered parking, On site maintenance) that insurers recognize with discounts.
Source: FBI UCR Program, Virginia Beach (2024-12 to 2025-11)
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
For a renter, the natural-hazard story at this address is the easy version: flood risk is low, earthquake shaking is rare, and severe weather in Virginia Beach (city) doesn't drive an unusual claim profile. A baseline renters policy is sufficient — none of the optional flood or earthquake endorsements pay back at this kind of address. The data is below for completeness.
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 0.04g
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 Virginia Beach (city) 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 Virginia Beach (city). Counts reflect reported events, not damage amounts.
Renters at this address generally don't need optional natural-hazard add-ons. The base policy already covers the realistic claim scenarios.
5700 Magnolia Chase Way, Virginia Beach, VA 23464
Virginia Beach
Monthly Cost Breakdown at Magnolia Chase Apartments
The listed rent isn't the whole number. Here's what Magnolia Chase Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Magnolia Chase Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Amenity Fee
Charged per unit.
Trash Service - door to door pickup
Valet Trash Service Charged per unit.
Pest Control Services
Charged per unit.
Tech Fee
Internet Charged per unit.
Application Fee
Online Application Fee Charged per applicant.
Pets Fees
Pet Fees Or Charges
Pet Fee - 2nd Pet Charged per pet.
Pet Rent
Dog Charged per pet.
Pet Fees Or Charges
Pet Fee - 1st Pet Charged per pet.
Parking Fees
Parking Fee
Charged per vehicle.
Garage - Parking
Charged per vehicle.
Optional Add-On Fees
Extra Keys Or Lock Changes
Key Replacement Fee Charged per unit.
Administrative Fee
Online Administrative Fee Charged per unit.
NonCompliant Renters Insurance Fee
If insurance defaults Charged per unit.
Situational Fees
Lease Violation Fee
Charged per unit.
Pet Policy
Bringing a pet? Here's what Magnolia Chase 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 Magnolia Chase Apartments
From the property listing:
Inspired living awaits in the vibrant community of Magnolia Chase. Our one, two, and three bedroom pet-friendly apartments invite you into a lifestyle of comfort with modern finishes and convenient features. Meanwhile, our impressive amenities and exceptional management services guarantee a stress-free experience. Tour our Virginia Beach, Virginia, community today and discover more about what sets us apart.
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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