106 W Emma St Apartment: Renters Insurance Guide & What It Actually Costs

Monthly Cost Breakdown at 106 W Emma St Apartment

The listed rent isn't the whole number. Here's what 106 W Emma St Apartment actually costs each month once you add required fees and insurance.

Renters Insurance at 106 W Emma St Apartment

What Affects Your Premium Here

Every building is different. These factors specific to 106 W Emma St Apartment 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 106 W Emma St Apartment 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 106 W Emma St Apartment:

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. 106 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 106 W Emma St Apartment.

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 106 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 106 W Emma St Apartment

The advertised rate of $2,171/month is the lowest available price, based on a 1 month(s) stay with a move-in date of September 9, 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 Cabana, a beautifully renovated 2-bedroom, 1-bath retreat located in the heart of the Seminole Heights neighborhood in Tampa, Florida. Experience Cuban-inspired charm without a passport as you immerse yourself in the perfect blend of vintage vibes and modern comfort. This charming home offers an incredible outdoor oasis where you can bask in the sunshine, fire up the grill for a delicious meal, unwind by the cozy firepit, or challenge your crew to a game of bocce ball or cornhole. Step inside and feel instantly at home in a space filled with rich, earthy tones, natural wicker accents, and breezy, tropical vibes. Whether you're here for a relaxing escape or an adventure in Tampa Bay, Havana Cabana offers the ultimate getaway for couples, families, and friends alike. The fully renovated chef’s kitchen features sleek quartz countertops, brand-new appliances, and everything you need for a delicious feast. Enjoy the Florida rays from the chaise lounge tanning chairs, and pack light as you can wash your clothes in the full-sized washer and dryer. The apartment is kid and baby-friendly, with a Pack N’ Play, high chair, and more. Fur babies are welcome too, with a fully fenced-in yard for pets. The apartment offers a large outdoor hangout area with a stainless steel BBQ grill, a modern propane fire pit, and games like bocce ball and cornhole. The shared washer and dryer are located downstairs, and complimentary unscented laundry pods are provided. Pets are welcome, but please keep them off the furniture to prevent any damage. Located in the heart of the Seminole Heights neighborhood, this apartment is just a 5-minute walk to coffee shops, must-try restaurants, craft breweries, unique food carts, ice cream shops, boutiques for local shopping, and even a gym that offers group classes. A short Uber ride of about five to ten minutes will get you to Busch Gardens, Downtown Tampa, Channelside, Armature Works, Hyde Park, South Tampa, The Port, Tampa International Airport, Lowry Park Zoo, The Aquarium, Raymond James Stadium, Amalie Arena, The Straz Center, and much more. This house is very centrally located. The apartment is a non-smoking environment, and any smoking evidence will result in a fee for odor removal, duct cleaning, and furniture cleaning. No parties or events are allowed, and guests are asked to respect quiet hours from 10 pm to 8 am both inside and outside for the neighbors. The shared outdoor oasis is available for both the downstairs and upstairs private apartments, and all amenities are available during your stay. If you use the BBQ or firepit, ensure the fire is fully extinguished and covers are put back on before heading inside. The Bocce Ball and Cornhole games are found in the laundry room, and guests are asked to return them after use to prevent damage from the Florida sun. The apartment features a smart lock code for easy access, eliminating the need for keys. [SI]

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Frequently Asked Questions