Renters Insurance at Oasis Apartment Homes
We found a few insurance details on the Oasis Apartment Homes website. Your lease may have additional requirements — treat these as a starting point.
Lease Requirements
* 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 Oasis Apartment Homes can push your insurance cost up or down:
Older Building
Built in 1966 — older plumbing/electrical may increase risk
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
$16
Est. Monthly
$193
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 Oasis Apartment Homes 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 Oasis Apartment Homes:
| 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 $16/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. Oasis Apartment Homes also has on-site security features (Property manager on site, 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.
What residents talk about most
Management
Consistently positive in reviews
“The staff is professional, and Ashley is so nice and answers all my questions as best as she can.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
The natural-hazard exposure at Oasis Apartment Homes is mild on every dimension a renter typically cares about. FEMA's flood zone for this address is low-risk, USGS rates seismic activity as low, and severe-weather records for Virginia Beach (city) are unremarkable. Standard renters insurance handles the everyday claims (theft, fire, wind, water damage from leaks) without any add-ons. Specifics below for the curious.
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.
The bottom line: a standard renters policy at this address is sufficient. None of the optional natural-hazard endorsements pay back at meaningful odds.
1809 Colonial Arms Cir, Virginia Beach, VA 23454
Northeast Virginia Beach
Monthly Cost Breakdown at Oasis Apartment Homes
The listed rent isn't the whole number. Here's what Oasis Apartment Homes actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Oasis Apartment Homes. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Application Fee
Charged per applicant.
Pets Fees
One-Time Non-Refundable Pet Fee
- Dog Charged per pet.
Optional Add-On Fees
Bi-Monthly Fee
Charged per unit.
Online Application Fee
Charged per unit.
Pet Monthly Rent
Assistance Animal Charged per unit.
Washer/Dryer Rental Charges
Stack Washer/Dryer - Charged per unit.
Situational Fees
Utility Charges
Utility Activation Fee Charged per unit.
Transfer Fee
Charged per unit.
Pet Policy
Bringing a pet? Here's what Oasis Apartment Homes 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 Oasis Apartment Homes
From the property listing:
Welcome home to Oasis Apartment Homes! Imagine yourself relaxing on the sundeck by the sparkling swimming pool, saying hello to your neighbor while watching the sunset from your patio, or meeting new friends at the playground. Life really is a beach at Oasis Apartment Homes! Each apartment home has sliding glass doors that that open onto your private balcony or patio, wall-to-wall carpeting keeps a quiet environment and large closets enhance the comfort and convenience of your home.
Frequently Asked Questions
Does Oasis Apartment Homes require renters insurance?
How much is renters insurance at Oasis Apartment Homes?
What will I actually pay per month at Oasis Apartment Homes?
Does Oasis Apartment Homes allow pets?
How safe is the area around Oasis Apartment Homes?
What floor plans does Oasis Apartment Homes offer?
Is SafeButler affiliated with Oasis Apartment Homes?
What is SafeButler and how does it work for Oasis Apartment Homes renters?
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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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