Renters Insurance at South Lake Apartments
What Affects Your Premium Here
Every building is different. These factors specific to South Lake Apartments can push your insurance cost up or down:
Older Building
Built in 1979 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
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 South Lake 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 South Lake 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. South Lake Apartments also has on-site security features (Package service, 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
Maintenance
Consistently positive in reviews
“They are very responsive and the maintenance team thus far is very timely.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
At South Lake 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.
3923 Lake Front Cir, Virginia Beach, VA 23452
Virginia Beach
Monthly Cost Breakdown at South Lake Apartments
The listed rent isn't the whole number. Here's what South Lake Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at South Lake 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.
Parking Fees
Surface Lot
Guest parking available
Other
We offer reserved resident parking and ample guest parking. Please call us regarding our Parking Policy.
Pet Policy
Bringing a pet? Here's what South Lake Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About South Lake Apartments
From the property listing:
Set in the natural surroundings of an established Virginia Beach neighborhood, South Lake Apartments is an inviting retreat from your hectic day. Comfortable 1 and 2 bedroom apartment homes will provide you with generous living areas, private 5X8 storage units, and convenient reserved parking. Picturesque lakeside locations available. Your community amenities include a choice of 2 lakeside pools, a sophisticated clubhouse, 24-hour fitness facilities with separate weight training and cardio rooms, and a half-mile scenic path around the private 11-acre lake.
Frequently Asked Questions
Does South Lake Apartments require renters insurance?
How much is renters insurance at South Lake Apartments?
What will I actually pay per month at South Lake Apartments?
Does South Lake Apartments allow pets?
How safe is the area around South Lake Apartments?
What floor plans does South Lake Apartments offer?
Is SafeButler affiliated with South Lake Apartments?
What is SafeButler and how does it work for South Lake Apartments renters?
Real quotes · under a minute
Ready to lock down coverage at South Lake 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.