Renters Insurance at Woodshire Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Woodshire Apartments can push your insurance cost up or down:
Older Building
Built in 1974 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
Water/Leak Issues
5 mentions in Google reviews
Identity Theft Concerns
1 mention in reviews (mail tampering, fraud, personal info)
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 Woodshire 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 Woodshire 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. Woodshire Apartments also has on-site security features (Package lockers, 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
The natural-hazard exposure at Woodshire 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
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.
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
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.
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
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.
The bottom line: a standard renters policy at this address is sufficient. None of the optional natural-hazard endorsements pay back at meaningful odds.
149 S Budding Ave, Virginia Beach, VA 23452
North Central
Monthly Cost Breakdown at Woodshire Apartments
The listed rent isn't the whole number. Here's what Woodshire Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Woodshire Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Trash Services - Hauling
Amount for shared trash/waste services. Charged per unit.
Utility - Billing Administrative Fee
Amount to manage utility services billing. Charged per unit.
Utility - Gas
Usage-Based (Utilities).Amount for provision and consumption of natural gas. Charged per unit. Payable to 3rd Party
Utility - Electric - Third Party
Usage-Based (Utilities).Amount for provision and consumption of electric paid to a third party. Charged per unit. Payable to 3rd Party
Utility - Water/Sewer
Usage-Based (Utilities).Amount for provision and/or consumpt ion of water and sewer services Charged per unit.
Renters Liability Insurance - Third Party
Amount for renters liability insurance obtained through resi dent's provider of choice. Charged per leaseholder. Payable to 3rd Party
Common Area - Electric
Usage-Based (Utilities).Shared amount for common area electr ic usage. Charged per unit.
Application Fee
Amount to process application, initiate screening, and take a rental home off the market. Charged per applicant.
Administrative Fee
Amount to facilitate move-in process for a resident. Charged per unit.
Utility - New Account Fee
Amount to establish utility services. Charged per unit.
Security Deposit (Refundable)
Amount intended to be held through residency that may be app lied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit.
Utility - Final Bill Fee
Amount billed to calculate final utility statement. Charged per unit.
Pets Fees
Pet Fee
| Restrictions: Pit Bull Terrier, Staffordshire Terriers, Ro ttweilers, Doberman Pinschers, Chows, Presa Canarios, Akitas, Alaskan Malamutes, German Shephard, & Wolf-hybrid, & Dalamation. Applies to full or mixed breeds.
Pet Rent
Max of 2. Monthly amount for authorized pet. Charged per pet
Parking Fees
Parking Fee
Max of 1. Amount for parking space/services. May be subject to availability. Charged per rentable item.
Optional Add-On Fees
Renters Liability/Content - Property Program
Amount to participate in the property Renters Liability Pro gram. Charged per unit.
Short Term Rental
Amount for rental home occupancy for a shorter lease term. M ay be subject to availability. Charged per unit.
Cable TV and Internet Services
Amount for cable and internet services in rental home. Charg ed per unit. Payable to 3rd Party
Situational Fees
Intra-Community Transfer Fee
Amount due when transferring to another rental unit within c ommunity. Charged per unit.
Renters Liability Only - Non-Compliance
Amount for not maintaining required Renters Liability Policy Charged per unit.
Trash Container - Replacement
Amount to replace trash/waste container. Charged per unit.
Returned Payment Fee (NSF)
Amount for returned payment. Charged per leaseholder.
Utility - Vacant Processing Fee
Amount for failing to transfer utilities into resident name. Charged per unit.
Late Fee
Amount for paying after rent due date; per terms of lease. Charged per unit type.
Reletting Fee
Marketing fee related to early lease termination; excludes r ent and other charges. Charged per unit.
Late Move-Out Fee
Amount for moving out later (holdover) than scheduled; excl udes rent and other charges. Charged per unit.
Insufficient Move-Out Notice Fee
Amount for not providing notice to move-out as required by l ease. Charged per unit.
Lease Buy Out
Amount agreed upon by resident to terminate lease early and satisfy lease terms; additional conditions apply. Charged per unit.
Lease Violation
Amount for violation of community policies and/or per lease terms. Charged per unit.
Utility - Vacant Cost Recovery
Usage-Based (Utilities).Amount for utility usage not transfe rred to resident responsibility any time during occupancy. Charged per unit.
Legal/Eviction Fees
Amount for legal expenses incurred for lease violations. Cha rged per unit.
Pet Policy
Bringing a pet? Here's what Woodshire Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Woodshire Apartments
From the property listing:
Located in the vibrant city of Virginia Beach, the Woodshire Apartments community is comprised of 20 residential buildings with one, two, and three-bedroom floorplans. Amenities include a fitness center, pet play area with agility, picnic area, swimming pool, playground, storage space, reserved parking, and a grilling area. Easily accessible to Virginia Beach Town Center, the beach, the Naval Air Station Oceana and all the shops, restaurants, and attractions offered by Virginia Beach.
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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