3215 W Swann Ave, Tampa, FL 33609
South Tampa
Monthly Cost Breakdown at BC Tampa Apartments
The listed rent isn't the whole number. Here's what BC Tampa Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at BC Tampa Apartments
What Affects Your Premium Here
Every building is different. These factors specific to BC Tampa Apartments can push your insurance cost up or down:
Older Building
Built in 1974 — older plumbing/electrical may increase risk
Gated Community
Gated access reduces theft risk — may qualify for security discount
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 995/100K (37% below national average)
What You'll Likely Pay
$18
Est. Monthly
$215
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 BC Tampa Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$20,000
If you own more
$50,000
Liability
Covers accidental harm & lawsuits
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 BC Tampa Apartments:
| 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
6 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. BC Tampa Apartments also has on-site security features (Controlled access, Gated) 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 BC Tampa Apartments.
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 BC Tampa Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Utility Bundle
Charged per unit.
Application Fee Per Applicant
$75 Application Fee per applicant Charged per applicant.
Administrative Fee
$150 Admin Fee for Security Deposit to Hold Unit. Charged per unit.
Pets Fees
One-Time Pet Fee
Max of 2. Charged per pet.
Monthly Pet Fee
Max of 2. Charged per pet.
Pet Deposit
Max of 2. Charged per pet.
One-Time Pet Fee
Max of 2. Charged per pet.
Parking Fees
Surface Lot
Parking Available
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what BC Tampa Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About BC Tampa Apartments
From the property listing:
Welcome to BC Tampa Properties, the gateway to finding your perfect home in South Tampa. Any one of our boutique-style apartments and townhomes provides the perfect hideaway while living against the vivid backdrop of Florida’s Gulf Coast. If you’re looking for serene & tranquil, you’ll find our small communities tucked away among the historic bungalows and upscale neighborhoods of Palma Ceia, Hyde Park, and Bayshore.
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.
105 S Obrien St Condo
South Tampa
115 S Lois Ave Apartment
South Tampa
1700 W Cleveland St Apartment
South Tampa
2 Bayshore Apartments
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2001 W. Dekle Apartments
South Tampa
205-207 S Westland Ave Apartments
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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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