113 W Gladys St, Tampa, FL 33602
Downtown Tampa
Monthly Cost Breakdown at 113 W Gladys St Rental
The listed rent isn't the whole number. Here's what 113 W Gladys St Rental actually costs each month once you add required fees and insurance.
Renters Insurance at 113 W Gladys St Rental
What Affects Your Premium Here
Every building is different. These factors specific to 113 W Gladys St Rental can push your insurance cost up or down:
Open Access
No gated or controlled access — higher theft exposure
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 995/100K (37% below national average)
What You'll Likely Pay
$19
Est. Monthly
$224
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 113 W Gladys St Rental 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
Standard minimum for most lease requirements in Florida. Cats present minimal liability risk vs dogs.
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near 113 W Gladys St Rental:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $11/mo | $128/yr |
| USAA | $12/mo | $144/yr |
| State Farm | $16/mo | $192/yr |
| Progressive | $17/mo | $208/yr |
| Safeco | $17/mo | $208/yr |
| Travelers | $19/mo | $224/yr |
| Allstate | $20/mo | $240/yr |
| Nationwide | $20/mo | $240/yr |
| Farmers | $21/mo | $256/yr |
| Liberty Mutual | $24/mo | $289/yr |
Discounts You May Qualify For
Next Step
See if you can beat $19/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
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 113 W Gladys St 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.
Amenities
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what 113 W Gladys St Rental allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
Cats Allowed
About 113 W Gladys St Rental
Great Location! Ground round floor three bedroom, two bathroom, with large open kitchen with stainless steel appliances, and a big breakfast bar area that opens onto the dining room. Huge Living area, with small adjacent workspace or room for storage or projects, full size washer/dryer, and a gigantic master suite with walk in closet, separate wall closet, and a huge master bathroom with massive shower, and a separate roman bathtub, brand new vanity with quartz countertop, and new mirror. All topped off with brand new luxury vinyl plank flooring throughout the living and bedroom areas, fresh paint, new baseboards, and brand new 2" white faux wood blinds. Water included, shared backyard space with lawncare, and water included. Less than 0.8 miles to Armature Works and the Riverwalk, 0.1 Miles to Shuffle, 0.7 miles to Sprouts, and so much more that Tampa Heights and Downtown have to offer! Truly a must see, hurry before it's gone.
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.
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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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