4050 Rocky Cir, Tampa, FL 33613
North Tampa
Monthly Cost Breakdown at 4050 Lofts
The listed rent isn't the whole number. Here's what 4050 Lofts actually costs each month once you add required fees and insurance.
Renters Insurance at 4050 Lofts
We found a few insurance details on 4050 Lofts's website. Your lease may have additional requirements — treat these as a starting point.
Lease Requirements
* An "interested party" is the property management company listed on your insurance policy. It doesn't give them any claim rights — it just means they get notified if your policy lapses, which is how the leasing office verifies you stay insured.
One thing to watch for: when you purchase your policy, most carriers have a field where you add the property as an interested party — skip that step and your proof may get rejected. It takes 30 seconds during checkout. Start a quote to see which carriers handle this automatically.
In 4050 Lofts's own words:
"IS RENTER’S INSURANCE REQUIRED? DO YOU PROVIDE RENTER’S INSURANCE?"
What Affects Your Premium Here
Every building is different. These factors specific to 4050 Lofts can push your insurance cost up or down:
Open Access
No gated or controlled access — higher theft exposure
Pest Issues
3 mentions in Google reviews
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 995/100K (37% below national average)
What You'll Likely Pay
$16
Est. Monthly
$187
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 4050 Lofts based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$10,000
If you own more
$25,000
Liability
Covers accidental harm & lawsuits
Pool on premises — higher liability recommended for accidents at shared amenities
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near 4050 Lofts:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $9/mo | $112/yr |
| USAA | $11/mo | $126/yr |
| State Farm | $14/mo | $168/yr |
| Progressive | $15/mo | $182/yr |
| Safeco | $15/mo | $182/yr |
| Travelers | $16/mo | $196/yr |
| Allstate | $18/mo | $210/yr |
| Nationwide | $18/mo | $210/yr |
| Farmers | $19/mo | $224/yr |
| Liberty Mutual | $21/mo | $252/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.
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)
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.
Flood Risk
Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for 4050 Lofts.
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.
Fees Beyond Rent
These are the additional charges beyond base rent at 4050 Lofts. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Application Fee Per Applicant
Charged per applicant.
Administrative Fee
Charged per unit.
Pets Fees
One-Time Pet Fee
Max of 1. Charged per pet.
Monthly Pet Fee
Max of 1. Charged per pet.
Monthly Pet Fee
Max of 1. Charged per pet.
Parking Fees
Parking Fee
Max of 4. Charged per vehicle.
Surface Lot
$20 for a reserved space.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what 4050 Lofts allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About 4050 Lofts
From the property listing:
4050 Lofts offer per bed pricing and is one of the newest upscale, off-campus apartment communities for students in the Tampa, Florida area. We are leasing for next semester currently, please call for more details! We are conveniently located just steps from the University of South Florida campus and serve local area colleges and universities, including HCC. We offer 3 and 4 bedroom fully furnished apartments with utilities included.
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
Does 4050 Lofts require renters insurance?
How much is renters insurance at 4050 Lofts?
What will I actually pay per month at 4050 Lofts?
Does 4050 Lofts allow pets?
How safe is the area around 4050 Lofts?
What floor plans does 4050 Lofts offer?
Get Renters Insurance for 4050 Lofts
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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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