Renters Insurance at Midtown Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Midtown 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
Identity Theft Concerns
1 mention in reviews (mail tampering, fraud, personal info)
Security System Issues
1 mention of broken gates, cameras, or locks in reviews
FEMA Flood Zone
Zone AE — High-risk flood area with base flood elevation. Flood insurance strongly recommended.
FBI UCR
Property crime rate: 1487/100K (6% below national average)
What You'll Likely Pay
$13
Est. Monthly
$160
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 Midtown 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 Midtown 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 $13/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 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. Midtown Apartments also has on-site security features (Sprinklers, 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
Flood Risk
Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Midtown Apartments.
FEMA Zone AE — High-risk flood area with base flood elevation
Flood insurance strongly recommended — standard renters policies exclude flood damage.
What to know about flood insurance as a renter:
- Your landlord's building policy does not cover your belongings
- NFIP (National Flood Insurance Program) offers renters policies starting around $99/year
- Private carriers (Neptune, Wright Flood) may offer lower rates
- Most flood claims in this zone are for personal property, not structural damage
Flood zone data from FEMA National Flood Hazard Layer (NFHL). Zones can change — verify at FEMA Flood Map Service.
4432 Bonney Rd, Virginia Beach, VA 23462
Northwest Virginia Beach
Monthly Cost Breakdown at Midtown Apartments
The listed rent isn't the whole number. Here's what Midtown Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Midtown 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.
Pet Policy
Bringing a pet? Here's what Midtown 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 Midtown Apartments
From the property listing:
Discover upscale apartment living on the south end of the Town Center of Virginia Beach where modern comfort meets an unbeatable location. Be a short walking distance away from premier shopping, dining, entertainment and performing arts, plus a number of local, regional or nationally-based companies. Close enough for convenience but far enough away to enjoy the ultimate in convenience without the urban noise. Schedule your visit today to see why #MidtownLovesMe.
Frequently Asked Questions
Does Midtown Apartments require renters insurance?
How much is renters insurance at Midtown Apartments?
What will I actually pay per month at Midtown Apartments?
Does Midtown Apartments allow pets?
How safe is the area around Midtown Apartments?
Does Midtown Apartments need flood insurance?
What floor plans does Midtown Apartments offer?
Is SafeButler affiliated with Midtown Apartments?
What is SafeButler and how does it work for Midtown Apartments renters?
Real quotes · under a minute
Ready to lock down coverage at Midtown Apartments?
I'll line up top carriers side by side — pre-filled for this building so the proof of insurance is one click away.
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.
SafeButler Inc. strives to ensure that the information on this site is up to date, but we will not be held liable for any delays, inaccuracies, errors, or omissions. This site and all materials contained on it are distributed and provided "as is" and "as available" for use. SafeButler.com makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.