Renters Insurance at The Portland Apartments
The The Portland 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:
"Non-ePremium Insurance Submission opens in a new tab"
"Renters Insurance Enrollment"
"ePremium has partnered with your community. You are pre-qualified for our renters insurance policy at your community's preferred group rate."
"NOTE: If you have already obtained renters insurance outside of ePremium that meets your insurance lease requirement:"
"Upload your Proof of Coverage"
What Affects Your Premium Here
Every building is different. These factors specific to The Portland Apartments can push your insurance cost up or down:
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
FEMA Flood Zone
Zone X — minimal flood risk
What You'll Likely Pay
$17
Est. Monthly
$204
Est. Annual
$16
With Discounts/mo
$16
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 The Portland 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
Standard minimum for most lease requirements in Florida
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near The Portland Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $10/mo | $123/yr |
| USAA | $12/mo | $138/yr |
| State Farm | $15/mo | $184/yr |
| Progressive | $17/mo | $200/yr |
| Safeco | $17/mo | $200/yr |
| Travelers | $18/mo | $215/yr |
| Allstate | $19/mo | $230/yr |
| Nationwide | $19/mo | $230/yr |
| Farmers | $20/mo | $246/yr |
| Liberty Mutual | $23/mo | $276/yr |
Discounts You May Qualify For
Next Step
See if you can beat $16/mo
6 discounts may apply here. Real quotes show your actual price — estimates can't.
Safety
On-Site Security
Natural Hazards & Your Renters Coverage
At The Portland 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
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 (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 0.02g
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 Pinellas County 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 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.
300 8th St N, Saint Petersburg, FL 33705
Downtown St Petersburg
Monthly Cost Breakdown at The Portland Apartments
The listed rent isn't the whole number. Here's what The Portland Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at The Portland 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.
Pets Fees
One-Time Pet Fee
Max of 2. Charged per pet.
Dog Fee
Charged per pet.
Monthly Pet Fee
Max of 2. Charged per pet.
Dog Rent
Charged per pet.
Cat Fee
Charged per pet.
Cat Rent
Charged per pet.
Parking Fees
Garage Lot
One space per unit
About The Portland Apartments
From the property listing:
Discover your next home at The Portland Apartments in St. Petersburg. The leasing staff is waiting to show you all that this community has in store. Come for a visit to check out the apartment floor plan options. At this community, you'll have top amenities and features available to you. These include: convenient on-site parking options, high-speed internet access, and smoke free options. Stop by to check the current floor plan availability.
Frequently Asked Questions
Does The Portland Apartments require renters insurance?
How much is renters insurance at The Portland Apartments?
What will I actually pay per month at The Portland Apartments?
What floor plans does The Portland Apartments offer?
Is SafeButler affiliated with The Portland Apartments?
What is SafeButler and how does it work for The Portland Apartments renters?
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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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