1007 E 32nd Ave Apartment: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at 1007 E 32nd Ave Apartment in Downtown Tampa? Rent here runs From $1,495, and renters insurance adds about $18/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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1007 E 32nd Ave, Unit 1/2, Tampa, FL 33603

Downtown Tampa

From $1,495 /month

Monthly Cost Breakdown at 1007 E 32nd Ave Apartment

The listed rent isn't the whole number. Here's what 1007 E 32nd Ave Apartment actually costs each month once you add required fees and insurance.

Total Monthly Cost $1,513
Base Rent $1,495
Est. Renters Insurance $18/mo

Renters Insurance at 1007 E 32nd Ave Apartment

What Affects Your Premium Here

Every building is different. These factors specific to 1007 E 32nd Ave Apartment can push your insurance cost up or down:

Open Access

No gated or controlled access — higher theft exposure

Dog-Friendly

Dogs allowed — consider higher liability coverage

FEMA Flood Zone

Zone X — minimal flood risk

FBI UCR

Property crime rate: 995/100K (37% below national average)

What You'll Likely Pay

$18

Est. Monthly

$215

Est. Annual

$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 1007 E 32nd Ave Apartment based on the rent level and building features.

Personal Property

What your stuff is worth

$30,000 recommended

If you own less

$20,000

If you own more

$50,000

Liability

Covers accidental harm & lawsuits

$300,000 recommended

Dog-friendly community — higher liability recommended for pet-related incidents

How Carriers Compare for This Area

Not all carriers price the same zip code equally. Here's how the major options stack up near 1007 E 32nd Ave Apartment:

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

Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $18/mo

4 discounts may apply here. Real quotes show your actual price — estimates can't.

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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.

Tampa property crime rate

995

per 100K residents

37% below U.S. avg

U.S. avg is 1,578 per 100K

Breakdown per 100K residents

Burglary
108 / 200
Larceny / theft
784 / 1,172
Vehicle theft
103 / 206

U.S. average

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 1007 E 32nd Ave Apartment.

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.

Pet Policy

Bringing a pet? Here's what 1007 E 32nd Ave Apartment 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.

Cats and Dogs Allowed

About 1007 E 32nd Ave Apartment

*Move In Special $250 Move In Credit Upon Move In* Positioned in the heart of Tampa’s evolving East Tampa neighborhood, this residence at 1007 E 32nd Ave – 1/2 offers convenient access to some of the city’s most active districts. Just minutes from Seminole Heights, you’ll enjoy proximity to local restaurants, breweries, coffee shops, and neighborhood markets, along with easy connectivity to Downtown Tampa, Ybor City, and major roadways including I-275 and I-4. This home features a functional layout with natural light throughout, updated finishes, and practical living spaces designed for everyday comfort. The property offers off-street parking and a private setting tucked just off the main road. Located near Rivercrest Park, McDugald Park, and the Hillsborough River, outdoor recreation and walking trails are close by. The central location makes commuting to Tampa Heights, Armature Works, the University of Tampa, and major employment hubs simple and convenient. If you’re looking for a well-located Tampa address with easy access to dining, entertainment, and daily essentials, this home delivers both convenience and accessibility. Rental Qualifications: ? Credit score of 600+ ? No evictions in the past 36 months ? Income must be 2.5–3x the rent ? Background check required Prorated Rent: Applies if the move-in date is not on the 1st of the month. Note: If the move-in is after the 15th, both the prorated rent and the full first month's rent are due. *Please note: Photos may include virtual staging to showcase the unit’s potential. The property is offered unfurnished. ??Important Notice: For your safety, always transact directly with our management team. We never advertise on Craigslist, and we do not accept payments via Venmo, Zelle, Cash App, or similar apps. If you see our listings elsewhere or are unsure about any communication, contact our office immediately to verify. $100 Flat Monthly Fee For Electric And Water

Phone: (813) 212-7562

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

Does 1007 E 32nd Ave Apartment require renters insurance?
We didn't find a public insurance requirement for 1007 E 32nd Ave Apartment, but that doesn't mean there isn't one. Many communities add the requirement during lease signing. It's worth asking the leasing office directly — and even if it's not required, a policy typically runs under $20/month and covers you against theft, fire, and liability.
How much is renters insurance at 1007 E 32nd Ave Apartment?
For this zip code and building type, expect to pay around $18/month ($215/year). For context, the statewide average is $16/month, so this building is above average.
What will I actually pay per month at 1007 E 32nd Ave Apartment?
Plan for $1,513 to $1,513/month all-in. That's base rent (From $1,495), plus roughly $18/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does 1007 E 32nd Ave Apartment allow pets?
Yes, 1007 E 32nd Ave Apartment is pet-friendly. Here are the details: . Cats and Dogs Allowed. If you have a pet, keep in mind that most renters insurance policies cover pet liability — but you may want to increase your liability limit, especially for larger breeds.
How safe is the area around 1007 E 32nd Ave Apartment?
Property crime in Tampa is well below the national average — 995 per 100,000 residents versus 1578 nationwide. That's the metric insurance carriers care about most for renters coverage, since property crime (theft, burglary, vehicle break-ins) drives most claims. Burglary specifically is 108/100K here.

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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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