10053 Lake Oak Cir Townhouse: Renters Insurance Guide & What It Actually Costs

Monthly Cost Breakdown at 10053 Lake Oak Cir Townhouse

The listed rent isn't the whole number. Here's what 10053 Lake Oak Cir Townhouse actually costs each month once you add required fees and insurance.

Renters Insurance at 10053 Lake Oak Cir Townhouse

What Affects Your Premium Here

Every building is different. These factors specific to 10053 Lake Oak Cir Townhouse 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 10053 Lake Oak Cir Townhouse 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 10053 Lake Oak Cir Townhouse:

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 Tampa.

Below-average property crime typically translates to lower renters insurance premiums in this area, and security features on the building can push your rate even lower.

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

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for 10053 Lake Oak Cir Townhouse.

Flood zone data from FEMA National Flood Hazard Layer (NFHL). Zones can change — verify at FEMA Flood Map Service.

Amenities

Community Features

Floor Plan Amenities

Pet Policy

Bringing a pet? Here's what 10053 Lake Oak Cir Townhouse allows — and keep in mind, if you have a dog, most insurance advisors recommend bumping your liability coverage to at least $300,000. Standard renters policies cover pet-related incidents, but the default $100,000 limit may not be enough if something happens.

Dogs Allowed

About 10053 Lake Oak Cir Townhouse

This townhome in the desirable Carrollwood Oaks community offers a comfortable and convenient living experience with two bedrooms and two and a half bathrooms. The open-concept living space downstairs features a spacious living and dining area, a well-appointed kitchen, and a guest half bath, making it ideal for everyday living and entertaining. Upstairs are two large primary suites, each with its own private bathroom, providing excellent privacy and flexibility. Enjoy outdoor living on the covered, screened-in patio, perfect for relaxing at the end of the day. The home includes two side-by-side dedicated parking spots in the driveway, and residents have access to a community pool. Washer and dryer included. Conveniently located near shopping, dining, and major roadways, this move-in-ready home combines comfort, functionality, and location.

Other Options Nearby

Still weighing your choices? These communities are in the same part of Tampa — compare rent and estimated insurance cost side by side.

Frequently Asked Questions