102 W Emma St, Unit SI ID1271942P, Tampa, FL 33603
East Tampa
Monthly Cost Breakdown at 102 W Emma St Apartment
The listed rent isn't the whole number. Here's what 102 W Emma St Apartment actually costs each month once you add required fees and insurance.
Renters Insurance at 102 W Emma St Apartment
What Affects Your Premium Here
Every building is different. These factors specific to 102 W Emma St 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 102 W Emma St Apartment based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$35,000
If you own more
$75,000
Liability
Covers accidental harm & lawsuits
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 102 W Emma St 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
Next Step
See if you can beat $18/mo
4 discounts may apply here. Real quotes show your actual price — estimates can't.
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
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
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. 102 W Emma St Apartment 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
Flood Risk
Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for 102 W Emma St 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.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what 102 W Emma St 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 102 W Emma St Apartment
The advertised rate of $2,889/month is the lowest available price, based on a 30 day(s) stay with a move-in date of October 30, 2026. Rates vary depending on the duration of stay, season, and other parameters. For exact pricing and additional pricing components, please visit our website and enter your desired move-in and move-out dates. The rate is applicable when billed upfront; it can be higher if billed in multiple payments. Welcome to Havana Loft, a beautifully renovated 2-bedroom, 2-bath retreat located in the heart of the Seminole Heights neighborhood in Tampa, Florida. Experience Cuban-inspired charm with vintage vibes and modern comfort. This apartment is situated on the second floor, accessible via a flight of stairs, offering a cozy and stylish space filled with rich, earthy tones and tropical vibes. Havana Loft is the ultimate getaway for couples, families, and friends, featuring a fully equipped kitchen with sleek quartz countertops and brand-new appliances. Enjoy the expansive outdoor entertainment area with a stainless steel BBQ grill, bocce ball court, cornhole, and a cozy firepit. Relax in the screened-in patio or soak up the Florida sun on chaise lounge chairs. The apartment also includes a full-sized washer and dryer, plush memory foam mattresses, a 65-inch smart TV, and fast Wi-Fi. Fur babies are welcome, and the property offers a fully fenced-in yard for pets. Parking is available for two cars. Please note that pets are not allowed on the furniture to prevent any damage. Located just a 5-minute walk from coffee shops, must-try restaurants, craft breweries, unique food carts, ice cream shops, and boutiques, Havana Loft offers easy access to the best of Seminole Heights. A short Uber ride will take you to Busch Gardens, Downtown Tampa, Channelside, Armature Works, Hyde Park, South Tampa, and more, making it a centrally located haven for exploring Tampa. The apartment is a non-smoking environment, and any evidence of smoking will result in a fee for odor removal, duct cleaning, and furniture cleaning. Quiet hours are from 10 PM to 8 AM to ensure a peaceful stay for all guests. The shared outdoor oasis is available for use, and guests are asked to extinguish the fire and cover the BBQ and firepit after use. Entry is keyless with a personal smart lock code provided after booking. The apartment is equipped with fast Wi-Fi, making it remote work-friendly for those who need to stay connected during their stay. [SI]
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Frequently Asked Questions
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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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