Renters Insurance at Patriot Pointe Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Patriot Pointe Apartments can push your insurance cost up or down:
Older Building
Built in 1963 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
Pest Issues
9 mentions in Google reviews
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 Patriot Pointe 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
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 Patriot Pointe 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 $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. Patriot Pointe Apartments 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.
On-Site Security
Natural Hazards & Your Renters Coverage
At Patriot Pointe Apartments, 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
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 natural-hazard picture is favorable enough that a baseline renters policy is the right end-state for most renters here. No upgrade required.
124 Palm Beach Pl, Virginia Beach, VA 23452
Virginia Beach
Monthly Cost Breakdown at Patriot Pointe Apartments
The listed rent isn't the whole number. Here's what Patriot Pointe Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Patriot Pointe Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
One Bedroom Utility Fee
One Bedroom Monthly Utility Fee for Water and Sewage Charged per unit.
Two Bedroom Utility Fee
Two Bedroom Monthly Utility Fee for Water and Sewage Charged per unit.
Three Bedroom Utility Fee
Three Bedroom Monthly Utility Fee for Water and Sewage Charg ed per unit.
Application Fee Per Applicant
Charged per applicant.
Pets Fees
Pet Deposit
Max of 2. Charged per pet.
One-Time Pet Fee
Max of 2. Charged per pet.
Monthly Pet Fee
Max of 2. Charged per pet.
Parking Fees
Parking Fee
Charged per vehicle.
Surface Lot
Decal Parking
Pet Policy
Bringing a pet? Here's what Patriot Pointe Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Patriot Pointe Apartments
From the property listing:
Spacious apartments centrally located in Virginia Beach! Schedule your appointment TODAY! Patriot Pointe Apartments offers the features sought by today's professionals. A selection of our spacious floor plans have been designed specifically with you in mind. Apartment Amenities •Spacious Floor Plans •Dining Area •Spacious modern Kitchen w/ dishwasher •Hardwood flooring •Energy Efficient Windows •Washer/Dryer in apartment home •Walk in Closets •1, 2, and 3 bedroom apartments Community Amenities •Swimming & Wading Pool •Professional On Site Management Team •24 Hour Emergency Maintenance
Frequently Asked Questions
Does Patriot Pointe Apartments require renters insurance?
How much is renters insurance at Patriot Pointe Apartments?
What will I actually pay per month at Patriot Pointe Apartments?
Does Patriot Pointe Apartments allow pets?
How safe is the area around Patriot Pointe Apartments?
What floor plans does Patriot Pointe Apartments offer?
Is SafeButler affiliated with Patriot Pointe Apartments?
What is SafeButler and how does it work for Patriot Pointe Apartments renters?
Real quotes · under a minute
Ready to lock down coverage at Patriot Pointe 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.