Oak Manor Apartments: Renters Insurance Guide & What It Actually Costs

Renters Insurance at Oak Manor Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Oak Manor 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 Oak Manor 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 Oak Manor 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 Kenneth City.

Near-average property crime means insurance premiums in Kenneth City track closely with national baselines.

Source: FBI UCR Program, Kenneth City (2024-12 to 2025-11)

Natural Hazards & Your Renters Coverage

At Oak Manor 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.

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.

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 Pinellas County 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 Pinellas County. 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.

Monthly Cost Breakdown at Oak Manor Apartments

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

Fees Beyond Rent

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

Required Fees

Pets Fees

About Oak Manor Apartments

From the property listing:

Frequently Asked Questions