Tampa, FL

8210 Down Royal Rd Townhouse: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at 8210 Down Royal Rd Townhouse in North Tampa? Rent here runs From $2,250, 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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8210 Down Royal Rd, Tampa, FL 33610

North Tampa

From $2,250 /month

Monthly Cost Breakdown at 8210 Down Royal Rd Townhouse

The listed rent isn't the whole number. Here's what 8210 Down Royal Rd Townhouse actually costs each month once you add required fees and insurance.

Total Monthly Cost $2,269
Base Rent $2,250
Est. Renters Insurance $19/mo

Renters Insurance at 8210 Down Royal Rd Townhouse

What Affects Your Premium Here

Every building is different. These factors specific to 8210 Down Royal Rd Townhouse can push your insurance cost up or down:

Gated Community

Gated access reduces theft risk — may qualify for security discount

Dog-Friendly

Dogs allowed — consider higher liability coverage

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

$19

Est. Monthly

$224

Est. Annual

$18

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 8210 Down Royal Rd Townhouse based on the rent level and building features.

Personal Property

What your stuff is worth

$40,000 recommended

If you own less

$25,000

If you own more

$60,000

Liability

Covers accidental harm & lawsuits

$300,000 recommended

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 8210 Down Royal Rd Townhouse:

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

Gated community
-5%
Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $18/mo

5 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

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. 8210 Down Royal Rd Townhouse also has on-site security features (Gated, Gated access, Covered parking) that insurers recognize with discounts.

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

On-Site Security

Gated Gated access Covered parking

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for 8210 Down Royal Rd Townhouse.

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.

Amenities

Community Features

Pool

Floor Plan Amenities

Washer/Dryer Air Conditioning Heating Ceiling Fans Dishwasher Kitchen Microwave Range Refrigerator Vinyl Flooring Dining Room

Pet Policy

Bringing a pet? Here's what 8210 Down Royal Rd Townhouse 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.

Dogs Allowed

About 8210 Down Royal Rd Townhouse

Phone: (877) 362-8168

From the property listing:

FOR RENT, WELL LOCATED, SPACIOUS AND BEAUTIFUL 3 Bedrooms, 2.5 Bathrooms, 1 car garage. Open floorplan downstairs with large living/dining area that leads to the screened-in porch. Master bedroom has an ample walk-in closet. All bedrooms, laundry room, and 2 bathrooms are located on the second floor. The desirable gated community of WEXFORD offers you a peaceful environment while being a few miles away from the Hard Rock Casino, MidFlorida Amphitheatre, and the Tampa Executive Airport. Easy access to major highways like, I-75, US-301, and I-4.

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

$1,875 Ins: ~$16/mo

10144 Arbor Run Dr Rental

North Tampa

$2,645 Ins: ~$16/mo

10508 Canary Isle Dr Rental

North Tampa

$3,675 Ins: ~$16/mo

10625 Pictorial Park Dr Rental

North Tampa

$3,095 Ins: ~$16/mo

11312 N 52nd St Apartment

North Tampa

$1,250 Ins: ~$16/mo

11314 N 52nd St Apartment

North Tampa

$1,250 Ins: ~$16/mo

Frequently Asked Questions

Does 8210 Down Royal Rd Townhouse require renters insurance?
We didn't find a public insurance requirement for 8210 Down Royal Rd Townhouse, 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 8210 Down Royal Rd Townhouse?
For this zip code and building type, expect to pay around $19/month ($224/year). 8210 Down Royal Rd Townhouse has security features that qualify for discounts — with those applied, you could pay as little as $18/month. For context, the statewide average is $16/month, so this building is above average.
What will I actually pay per month at 8210 Down Royal Rd Townhouse?
Plan for about $2,269/month all-in. That's base rent (From $2,250), plus roughly $19/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does 8210 Down Royal Rd Townhouse allow pets?
Yes, 8210 Down Royal Rd Townhouse is pet-friendly. Here are the details: . Dogs Allowed. If you have a pet, keep in mind that most renters insurance policies cover pet liability — but you may want to increase your liability limit, especially for larger breeds.
How safe is the area around 8210 Down Royal Rd Townhouse?
Property crime in Tampa is well below the national average — 995 per 100,000 residents versus 1,578 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. On the property itself, you'll find gated, gated access, covered parking — features that can qualify for premium discounts.
Does 8210 Down Royal Rd Townhouse need flood insurance?
This property sits in FEMA flood zone AE (High-risk flood area with base flood elevation). Standard renters insurance does not cover flood damage — you'd need a separate flood policy or endorsement. The National Flood Insurance Program (NFIP) offers renters policies starting around $99/year, and private carriers like Neptune and Wright Flood may offer competitive rates.
What parking is available at 8210 Down Royal Rd Townhouse?
Garage Parking. 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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