Pembroke Crossing Apartments: Renters Insurance Guide & What It Actually Costs

Renters Insurance at Pembroke Crossing Apartments

We found a few insurance details on the Pembroke Crossing Apartments website. Your lease may have additional requirements — treat these as a starting point.

* 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 Pembroke Crossing Apartments 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 Pembroke Crossing Apartments 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 Pembroke Crossing Apartments:

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 Virginia Beach.

Near-average property crime means insurance premiums in Virginia Beach track closely with national baselines. Pembroke Crossing Apartments also has on-site security features (Property manager on site) 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

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.

Renters at this address generally don't need optional natural-hazard add-ons. The base policy already covers the realistic claim scenarios.

Monthly Cost Breakdown at Pembroke Crossing Apartments

The listed rent isn't the whole number. Here's what Pembroke Crossing Apartments actually costs each month once you add required fees and insurance.

Fees Beyond Rent

These are the additional charges beyond base rent at Pembroke Crossing Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Parking Fees

Pet Policy

Bringing a pet? Here's what Pembroke Crossing Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.

About Pembroke Crossing Apartments

From the property listing:

Frequently Asked Questions