Renters Insurance at Water's Edge Apartments
The Water's Edge Apartments website requires tenants to carry renters insurance. The exact coverage minimums may vary by unit type, so confirm the specifics with the leasing office when you apply.
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.
In their own words:
"Yes, you’ll need to maintain and provide proof of renters insurance for the duration of your lease term. If streamlining is more your style, you can enroll in our Lessor’s Legal Liability Insurance Policy (“BH Liability”), a policy that fulfills the insurance requirements of the lease, but is not personal liability insurance or renters’ insurance, and we’ll add the cost to your monthly rent invoice."
What Affects Your Premium Here
Every building is different. These factors specific to Water's Edge Apartments can push your insurance cost up or down:
Older Building
Built in 1986 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
Water/Leak Issues
3 mentions in Google reviews
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 3165/100K (101% above national average)
What You'll Likely Pay
$15
Est. Monthly
$176
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 Water's Edge Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$15,000
If you own more
$40,000
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 Water's Edge 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 $15/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 Norfolk.
Norfolk property crime rate
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
U.S. average
Higher-than-average property crime is why insurance carriers charge more in this zip code — your premium reflects the claims frequency for the area. Water's Edge Apartments also has on-site security features (Property manager on site) that insurers recognize with discounts.
Source: FBI UCR Program, Norfolk (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
Mixed feedback in reviews
Security
A recurring concern in reviews
“It’s stressful, embarrassing, and unsafe.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
The natural-hazard exposure at Water's Edge Apartments 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 (0.2 Pct Annual Chance 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.
390 S Military Hwy, Norfolk, VA 23502
River Forest Shores/Wayside Manor
Monthly Cost Breakdown at Water's Edge Apartments
The listed rent isn't the whole number. Here's what Water's Edge Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Water's Edge Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Utility Service Fee
Contact local utility providers to get monthly cost estimate s based on approximate household usage. Included Charged per unit.
Common Area Maintenance
Included Charged per unit.
Utilities
Contact local utility providers to get monthly cost estimate s based on approximate household usage. Charged per unit.
Door-to-Door Trash Pick-Up
Included Charged per unit.
Application Fee
Charged per applicant.
Utility New Account Fee
Contact local utility providers to get monthly cost estimate s based on approximate household usage. Charged per unit.
Processing Fee
Charged per unit.
Security Deposit
Required security deposit or nonrefundable fee is based on s creening outcome. Required security deposits are eligible for a refund after move-out. Zero upfront and/or deposit alternative options may be available. See agent to learn about all options. Charged per unit.
Utility Final Bill Fee
Contact local utility providers to get monthly cost estimate s based on approximate household usage. Charged per unit.
Pets Fees
Pet Fee
Large Dogs Welcome.
Pet Rent
Max of 2. Large dogs welcome, breed restrictions will apply. Amount varies based on number of pets, connect with an agent for more details. Charged per pet.
Situational Fees
Damage Waiver Program
Residents must have renters liability insurance. Without pro of of renters liability insurance, the resident will be enrolled in the Damage Waiver Program and charged the noted lease fee. This does not provide the individual with insurance coverage. Charged per unit.
Pet Policy
Bringing a pet? Here's what Water's Edge Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Water's Edge Apartments
From the property listing:
There's no place like these homes at Water's Edge Apartments in Norfolk, VA. Practically built just for you, our cozy homes come complete with a washer and dryer, large closets, and vinyl plank flooring. As a resident of our community, located minutes to I-264 and I-64, you'll enjoy modern amenities like a fitness center and swimming pool. If you're looking for a conveniently located residence, come see why Water's Edge Apartments is more than a place to live - it's a lifestyle to love. The Right Price Promise is simple: the price you see is the price you pay.
Frequently Asked Questions
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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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