12401 N 15th St, Unit Cinnamon Cove - 1 Bedroom, Tampa, FL 33612
North Tampa
Monthly Cost Breakdown at 12401 N 15th St Apartment
The listed rent isn't the whole number. Here's what 12401 N 15th St Apartment actually costs each month once you add required fees and insurance.
Renters Insurance at 12401 N 15th St Apartment
What Affects Your Premium Here
Every building is different. These factors specific to 12401 N 15th 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
Security System Issues
1 mentions of broken gates, cameras, or locks in reviews
FEMA Flood Zone
Zone AE — High-risk flood area with base flood elevation. Flood insurance strongly recommended.
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 12401 N 15th St Apartment based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$15,000
If you own more
$50,000
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 12401 N 15th St Apartment:
| 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
Next Step
See if you can beat $16/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.
Property crime rate in Tampa
-37% below national average (1,578/100K)
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. 12401 N 15th St Apartment also has on-site security features (On site maintenance, Perimeter fencing) 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 12401 N 15th St Apartment.
FEMA Zone AE — High-risk flood area with base flood elevation
Flood insurance strongly recommended — standard renters policies exclude flood damage.
What to know about flood insurance as a renter:
- Your landlord's building policy does not cover your belongings
- NFIP (National Flood Insurance Program) offers renters policies starting around $99/year
- Private carriers (Neptune, Wright Flood) may offer lower rates
- Most flood claims in this zone are for personal property, not structural damage
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 12401 N 15th St Apartment. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Security Deposit - Refundable
Charged per unit.
Amenities
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what 12401 N 15th 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 12401 N 15th St Apartment
Property Id: 2448044 *Limited-Time Specials:* - Standard 1-Bed: Now $1,180 (originally $1,249) - Premium 1-Bed: Now $1,349 (originally $1,399) AVAILABLE WITH A 15-MONTH LEASE act fast before they're gone! Apartment Features: - Choose from Standard or Premium 1-Bedroom layouts - Bright, open interiors with plenty of natural light - Modern Interiors - Utilities included: water, sewer & trash Community Perks: - Relax by the sparkling swimming pool - Outdoor picnic & garden areas for downtime and gatherings - Onsite laundry facilities - Free, ample parking for you and guests - Onsite maintenance for peace of mind - Pet-friendly (up to 2 pets per unit) Convenient Location: - University of South Florida 10 minutes - University Mall 8 minutes - Publix, Target & dining nearby - Tampa International Airport 25 minutes - St. Pete Clearwater Airport 30 minutes Live where luxury meets lifestyle. Schedule a tour today to experience the ultimate in comfort, convenience, and community fun!
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.
10112 N Lantana Ave Rental
North Tampa
10144 Arbor Run Dr Rental
North Tampa
10508 Canary Isle Dr Rental
North Tampa
10625 Pictorial Park Dr Rental
North Tampa
11312 N 52nd St Apartment
North Tampa
11314 N 52nd St Apartment
North Tampa
Frequently Asked Questions
Does 12401 N 15th St Apartment require renters insurance?
How much is renters insurance at 12401 N 15th St Apartment?
What will I actually pay per month at 12401 N 15th St Apartment?
Does 12401 N 15th St Apartment allow pets?
How safe is the area around 12401 N 15th St Apartment?
Does 12401 N 15th St Apartment need flood insurance?
Get Renters Insurance for 12401 N 15th St Apartment
See how much you could save on renters insurance
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.
SafeButler Inc. strives to ensure that the information on this site is up to date, but we will not be held liable for any delays, inaccuracies, errors, or omissions. This site and all materials contained on it are distributed and provided "as is" and "as available" for use. SafeButler.com makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.