4811 E Curtis St Condo: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at 4811 E Curtis St Condo in East Tampa? Rent here runs $797 – $797, and renters insurance adds about $19/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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4811 E Curtis St, Tampa, FL 33610

East Tampa

$797 – $797 /month

Monthly Cost Breakdown at 4811 E Curtis St Condo

The listed rent isn't the whole number. Here's what 4811 E Curtis St Condo actually costs each month once you add required fees and insurance.

Total Monthly Cost $816
Base Rent $797
Est. Renters Insurance $19/mo

Renters Insurance at 4811 E Curtis St Condo

What Affects Your Premium Here

Every building is different. These factors specific to 4811 E Curtis St Condo 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 4811 E Curtis St Condo based on the rent level and building features.

Personal Property

What your stuff is worth

$15,000 recommended

If you own less

$10,000

If you own more

$25,000

Liability

Covers accidental harm & lawsuits

$100,000 recommended

Standard minimum for most lease requirements in Florida

How Carriers Compare for This Area

Not all carriers price the same zip code equally. Here's how the major options stack up near 4811 E Curtis St Condo:

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

Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $19/mo

4 discounts may apply here. Real quotes show your actual price — estimates can't.

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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

995

per 100K residents

37% below U.S. avg

U.S. avg is 1,578 per 100K

Breakdown per 100K residents

Burglary
108 / 200
Larceny / theft
784 / 1,172
Vehicle theft
103 / 206
Tampa 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 4811 E Curtis St Condo.

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

Air Conditioning Heating Smoke Free Furnished Deck Garden

About 4811 E Curtis St Condo

Room for rent: Move into a newly-renovated House today! Comfortable and cozy, this is the perfect place to call home. The kitchen comes equipped with a fridge, sink, oven, stovetop, as well as basic cookware, making it the perfect spot to whip up a meal or two. The neighborhood is quiet, and you won’t be far from all Tampa has to offer. 1 of the room photos is staged to show what your room might look like with your belongings! Expectation *This home is professionally cleaned once a month. As a member of the home, you are expected to clean the common areas daily, including washing dishes and tidying up after yourself.

Phone: (833) 671-1373

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.

Frequently Asked Questions

Does 4811 E Curtis St Condo require renters insurance?
We didn't find a public insurance requirement for 4811 E Curtis St Condo, but that doesn't mean there isn't one. Many communities add the requirement during lease signing. It's worth asking the leasing office directly — and even if it's not required, a policy typically runs under $20/month and covers you against theft, fire, and liability.
How much is renters insurance at 4811 E Curtis St Condo?
For this zip code and building type, expect to pay around $19/month ($224/year). For context, the statewide average is $16/month, so this building is above average.
What will I actually pay per month at 4811 E Curtis St Condo?
Plan for $816 to $816/month all-in. That's base rent ($797 – $797), plus roughly $19/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
How safe is the area around 4811 E Curtis St Condo?
Property crime in Tampa is well below the national average — 995 per 100,000 residents versus 1578 nationwide. That's the metric insurance carriers care about most for renters coverage, since property crime (theft, burglary, vehicle break-ins) drives most claims. Burglary specifically is 108/100K here.
What parking is available at 4811 E Curtis St Condo?
Assigned Street Parking. Assigned Other Parking. Worth noting: covered or garage parking can reduce your vehicle's exposure to weather and theft, which some auto insurance carriers reward with lower rates.

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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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