10150 Cedar Dune Dr Rental: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at 10150 Cedar Dune Dr Rental in Northwest Tampa? Rent here runs $2,535, and renters insurance adds about $16/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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10150 Cedar Dune Dr, Tampa, FL 33624

Northwest Tampa

$2,535 /month

Monthly Cost Breakdown at 10150 Cedar Dune Dr Rental

The listed rent isn't the whole number. Here's what 10150 Cedar Dune Dr Rental actually costs each month once you add required fees and insurance.

Total Monthly Cost $2,641
Base Rent $2,535
Required Monthly Fees $90
Est. Renters Insurance $16/mo

Renters Insurance at 10150 Cedar Dune Dr Rental

What Affects Your Premium Here

Every building is different. These factors specific to 10150 Cedar Dune Dr Rental 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

$16

Est. Monthly

$187

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 10150 Cedar Dune Dr Rental based on the rent level and building features.

Personal Property

What your stuff is worth

$75,000 recommended

If you own less

$40,000

If you own more

$100,000

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 10150 Cedar Dune Dr Rental:

Carrier Monthly Annual
Lemonade $9/mo $107/yr
USAA $10/mo $120/yr
State Farm $13/mo $160/yr
Progressive $14/mo $174/yr
Safeco $14/mo $174/yr
Travelers $16/mo $187/yr
Allstate $17/mo $200/yr
Nationwide $17/mo $200/yr
Farmers $18/mo $214/yr
Liberty Mutual $20/mo $240/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 $16/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.

995 per 100K residents

Property crime rate in Tampa

-37% below national average (1,578/100K)

Breakdown per 100K residents

Burglary108 (nat. 200)
Larceny / theft784 (nat. 1,172)
Vehicle theft103 (nat. 206)

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. 10150 Cedar Dune Dr Rental also has on-site security features (Covered parking, Perimeter fencing) that insurers recognize with discounts.

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

On-Site Security

Covered parking Perimeter fencing

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for 10150 Cedar Dune Dr Rental.

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.

Fees Beyond Rent

These are the additional charges beyond base rent at 10150 Cedar Dune Dr Rental. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

smartHomeFee

Charged per unit.

$19.99 / mo

utilitiesAdminFee

Charged per unit.

$9.99 / mo

Amenities

Community Features

Laundry Facilities Fenced Lot

Floor Plan Amenities

Washer/Dryer Hookup Air Conditioning Double Vanities Pantry Tile Floors Vinyl Flooring Window Coverings Patio Porch Yard

Pet Policy

Bringing a pet? Here's what 10150 Cedar Dune Dr Rental 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 10150 Cedar Dune Dr Rental

Please note, our homes are available on a first-come, first-serve basis and are not reserved until the holding fee agreement is signed and the holding fee is paid by the primary applicant. This home features Progress Smart Home - Progress Residential's smart home app, which allows you to control the home securely from any of your devices. Learn more at Coming soon! This home is currently being enjoyed by another resident but will be available soon. Please respect their privacy and do not disturb. You can complete the application process and reserve this home for a $500 non-refundable holding fee until it's ready for move-in. This fee must be paid within 24 hours of being pre-qualified and will be applied to your first month’s rent if you enter into a lease for this home. Interested in this home? You clearly have exceptional taste. This charming 4-bedroom, 2.0-bathroom home is not only pet-friendly, but also equipped with smart home features to make everyday life more convenient and connected. Homes like this don’t stay on the market for long—don’t miss your chance to make it yours. Apply today! The Homeowners Association (HOA) for this home has a separate application process that applicants will need to complete in addition to Progress Residential's application. This includes self-registering with the HOA, completing the HOA's approval process, and paying any fees required by the HOA. Some images have been virtually staged to help showcase the potential of spaces in the home. The furnishings shown are for illustrative purposes only and are not included in the home.

Phone: (833) 252-8444

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 10150 Cedar Dune Dr Rental require renters insurance?
We didn't find a public insurance requirement for 10150 Cedar Dune Dr Rental, 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 10150 Cedar Dune Dr Rental?
For this zip code and building type, expect to pay around $16/month ($187/year). For context, the statewide average is $16/month, so this building is right around average.
What will I actually pay per month at 10150 Cedar Dune Dr Rental?
Plan for $2,641 to $2,641/month all-in. That's base rent ($2,535), plus $90/month in required fees (trash, utilities, etc.), plus roughly $16/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does 10150 Cedar Dune Dr Rental allow pets?
Yes, 10150 Cedar Dune Dr Rental 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 10150 Cedar Dune Dr Rental?
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. On the property itself, you'll find covered parking, perimeter fencing — features that can qualify for premium discounts.
What parking is available at 10150 Cedar Dune Dr Rental?
Garage Parking. Worth noting: covered or garage parking can reduce your vehicle's exposure to weather and theft, which some auto insurance carriers reward with lower rates.

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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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