Renters Insurance at The Wayland Apartments
What Affects Your Premium Here
Every building is different. These factors specific to The Wayland Apartments can push your insurance cost up or down:
Older Building
Built in 1971 — older plumbing/electrical may increase risk
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
Water/Leak Issues
6 mentions in Google reviews
FEMA Flood Zone
Zone X — minimal flood risk
What You'll Likely Pay
$20
Est. Monthly
$235
Est. Annual
$19
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 Wayland 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 The Wayland 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 $19/mo
5 discounts may apply here. Real quotes show your actual price — estimates can't.
Safety
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
Management
Consistently positive in reviews
“The maintenance team is very friendly and helpful as well.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
The natural-hazard exposure at The Wayland 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 Pinellas County 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 (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 bottom line: a standard renters policy at this address is sufficient. None of the optional natural-hazard endorsements pay back at meaningful odds.
305 Dr Martin Luther King Jr St S, Saint Petersburg, FL 33705
Midtown St Petersburg
Monthly Cost Breakdown at The Wayland Apartments
The listed rent isn't the whole number. Here's what The Wayland 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 Wayland 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 255. Charged per pet.
Monthly Pet Fee
Max of 255. Charged per pet.
Parking Fees
Parking Deposit
Charged per vehicle.
About The Wayland Apartments
From the property listing:
With thoughtful design and exclusive community amenities, The Wayland is your destination for convenient living in St. Petersburg, Florida! We've redefined what upscale living means to you in our newly-renovated studio, one, and two bedroom apartments, that offer up to 840 square feet of living space with a collection of interior touches. Come home to thoughtfully-designed living areas, wall-to-wall windows providing a beautiful view of downtown, a fully-equipped kitchen with quartz countertops, generous storage space, and much more.
Frequently Asked Questions
Does The Wayland Apartments require renters insurance?
How much is renters insurance at The Wayland Apartments?
What will I actually pay per month at The Wayland Apartments?
What floor plans does The Wayland Apartments offer?
Is SafeButler affiliated with The Wayland Apartments?
What is SafeButler and how does it work for The Wayland Apartments renters?
Real quotes · under a minute
Ready to lock down coverage at The Wayland 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.