6904 Ralston Place Dr, Tampa, FL 33614
Tampa
Monthly Cost Breakdown at Beach Club Apartments
The listed rent isn't the whole number. Here's what Beach Club Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Beach Club Apartments
Accepted Insurance Providers
Beach Club Apartments accepts policies from these carriers — though most standard renters insurance companies will be fine. If you already have a policy, check if your carrier is on the list.
From the Beach Club Apartments Website
Damage Liability Waiver
Our damage liability program brings you insurance designed specifically with our residents in mind. It offers personal liability and the broadest personal property coverage backed by A+ rated insurance carriers that will not only satisfy your lease requirement but also includes maximum protection on your valuables.
UPLOAD DAMAGE LIABILITY WAIVER COVERAGE
What Affects Your Premium Here
Every building is different. These factors specific to Beach Club Apartments can push your insurance cost up or down:
Older Building
Built in 1979 — older plumbing/electrical may increase risk
Gated Community
Gated access reduces theft risk — may qualify for security discount
Dog-Friendly
Dogs allowed — consider higher liability coverage
Water/Leak 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
$20
Est. Monthly
$237
Est. Annual
$19
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 Beach Club 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
$60,000
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 Beach Club Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $10/mo | $118/yr |
| USAA | $11/mo | $132/yr |
| State Farm | $15/mo | $176/yr |
| Progressive | $16/mo | $191/yr |
| Safeco | $16/mo | $191/yr |
| Travelers | $17/mo | $206/yr |
| Allstate | $18/mo | $220/yr |
| Nationwide | $18/mo | $220/yr |
| Farmers | $20/mo | $235/yr |
| Liberty Mutual | $22/mo | $264/yr |
Discounts You May Qualify For
Next Step
See if you can beat $19/mo
5 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. Beach Club Apartments also has on-site security features (Property manager on site, Gated, 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 Beach Club 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 Beach Club Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Valet Trash
Charged per unit.
Amenity Fee
Charged per unit.
Application Fee Per Applicant
Charged per applicant.
Administrative Fee
Charged per unit.
Utility Set Up Fee
Charged per unit.
Pets Fees
One-Time Pet Fee
Max of 2. Charged per pet.
Monthly Pet Fee
Max of 2. Charged per pet.
Parking Fees
Parking Fee
Charged per vehicle.
Parking Fee
Charged per vehicle.
Addons Fees
Liability Insurance
Charged per unit.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Beach Club Apartments 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
- $30 Monthly Pet Rent
- $300 Fee
- 2 Pet Limit
About Beach Club Apartments
Beach Club Apartment Homes welcomes you to a conveniently located, thoughtfully planned resort-style community. Choose from studio, one, and two bedroom apartment homes filled with excellent amenities and features that were designed with you in mind.
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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Dauphine Apartments
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French Quarter Apartments
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Lantower Westshore Apartments
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Lector 85 Apartments
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Frequently Asked Questions
Does Beach Club Apartments require renters insurance?
How much is renters insurance at Beach Club Apartments?
What will I actually pay per month at Beach Club Apartments?
Does Beach Club Apartments allow pets?
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What floor plans does Beach Club Apartments offer?
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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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