1116 Gramercy Ln Apartment: Renters Insurance Guide & What It Actually Costs

Monthly Cost Breakdown at 1116 Gramercy Ln Apartment

The listed rent isn't the whole number. Here's what 1116 Gramercy Ln Apartment actually costs each month once you add required fees and insurance.

Renters Insurance at 1116 Gramercy Ln Apartment

What Affects Your Premium Here

Every building is different. These factors specific to 1116 Gramercy Ln 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 1116 Gramercy Ln 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 1116 Gramercy Ln 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. 1116 Gramercy Ln Apartment also has on-site security features (Controlled access) that insurers recognize with discounts.

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

What Residents Are Saying

Based on Google reviews, here are the issues residents mention most often — and the ones that matter when choosing your coverage. Longer bars indicate more frequent discussion.

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 1116 Gramercy Ln Apartment.

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 1116 Gramercy Ln 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 1116 Gramercy Ln Apartment

The advertised rate of $4,988/month is the lowest available price, based on a 30 day(s) stay with a move-in date of May 24, 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. Feel at home in this amazing studio in Tampa, perfectly located for a quick trip to the beach or downtown. This brand new apartment offers a peaceful and quiet space to relax and unwind. The combined living and dining area are furnished with LED lighting and modern furniture. This studio offers a private oasis with plenty of natural light, wooden floors and finishes. The apartment includes a 50" HD smart TV, a kitchen with silverware, in-unit laundry, AC and heating for full temperature control, and hotel caliber pillows. Enjoy access to the on-site gym and the spacious shared pool area. Free high-speed Wi-Fi with up to 300 mbps upload/download speeds is available. Free parking for one spot is extremely close to the unit. Early check-in is available for $25 at 2PM or $50 at 12PM, subject to approval. Late check-out is available for $25 at 12PM, subject to approval. Pets are welcome with a fee of $25 per pet, per night for short stays, a flat $200 fee per pet for 8–28 nights, or a flat $300 fee per pet for 29+ nights. Enjoy excellent dining options directly outside the community. Whole Foods Market, Target, Walmart, and Trader Joe’s are all within a short walk or drive. Ben T Davis Beach is just 9 minutes away, and other beaches like Davis Islands Beach, Picnic Island, and Clearwater Beach are within a 35-minute drive. Explore nearby attractions such as Glazer Children’s Museum, Tampa Theatre, and the Tampa Riverwalk. Smoking will result in a $500 fine. Absolutely no parties are allowed; violations will result in a $1,000 fine and immediate eviction with no refund. Noise curfew is from 10 PM–7 AM on weekdays and 10 PM–8 AM on weekends; penalties for violation include a complimentary warning for the first offense, a $100 fine for the second, and immediate eviction with no refund for the third. This is a residential building; staff is for tenants, not short-term guests. For questions or concerns, contact the host directly; only approach building staff/security in case of an emergency. Guests must be 21+ to book a reservation. The pet weight limit is 35 lbs, no Pitbulls are allowed, all pets must be housetrained, and pets must not be left alone in the apartment. There is a $100 fee per unregistered pet. Must load and start dishwasher with all dirty dishes and/or cookware. Please dump food waste in the garbage—not in the sink disposal. Place all trash in trash can or dispose of it in the trash shoot. No entry for unregistered guests or those not on the reservation. There is a $100 fee for a missing keyfob. Amenities outside of the apartment are managed by the building and are subject to maintenance outside of our control. Blazing fast Wi-Fi is available. [SI]

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Frequently Asked Questions