10510 Parkers Landing Dr, Tampa, FL 33615
West Tampa
Renters Insurance at Cortland Bayport Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Cortland Bayport Apartments can push your insurance cost up or down:
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 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
$14
Est. Monthly
$172
Est. Annual
$12
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 Cortland Bayport 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
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 Cortland Bayport 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 $12/mo
7 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. Cortland Bayport Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Gated, Package lockers, Sprinklers, 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 Cortland Bayport Apartments.
FEMA Zone AE (Coastal Floodplain) — 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.
Fees Beyond Rent
These are the additional charges beyond base rent at Cortland Bayport Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Service Fee
Service Fee: $10 due monthly Charged per unit.
Trash
Trash: $15 due monthly Charged per unit.
Liability Only Protection
Liability Only Protection: $15 due monthly Charged per unit.
Valet Trash
Valet Trash: $30 due monthly Charged per unit.
Pest Control
Pest Control: $8 due monthly Charged per unit.
Administration Fee (per household)
Administration Fee (per household): $250 deposit due at application Charged per unit.
Application Fee (per applicant)
Application Fee (per applicant): $99 due at application Charged per applicant.
New Account Setup
New Account Setup: $25 due at move-in Charged per unit.
Pets Fees
Dog - Pet Fee - Dog
Pet Fee - Dog: $400 due at move-in Charged per pet.
Dog - Pet - Monthly Pet Charge - Dog
Pet - Monthly Pet Charge - Dog: $25 due monthly Charged per pet.
Cat - Pet Fee - Cat
Pet Fee - Cat: $400 due at move-in Charged per pet.
Cat - Pet - Monthly Pet Charge - Cat
Pet - Monthly Pet Charge - Cat: $25 due monthly Charged per pet.
Parking Fees
Boat Parking
Boat Parking: $100 due monthly Charged per vehicle.
Addons Fees
Saltwater Boat Slip
Salt Water Slip: $100 due monthly Charged per unit.
Freshwater Boat Slip
Fresh Water Slip: $50 due monthly Charged per unit.
Internet
Internet: $59 due monthly Charged per unit.
Situational Fees
Late Rent Fee
Late Rent Fee: 10% of rent due at late rent. Charged per unit.
Early Termination Fee
Early Termination Fee: 200% of rent due at early terminationCharged per unit.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Cortland Bayport Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Cortland Bayport Apartments
From the property listing:
With saltwater canal access to Old Tampa Bay, our luxury apartments on Hillsborough deliver you directly to all the fun of waterfront living in Tampa. Whether you choose Cortland Bayport North's upscale apartments and townhomes or Cortland Bayport South's more traditional apartments to call home, our one, two, and three-bedroom apartments in Tampa Bay, Florida offer the same waterfront lifestyle. Soak up some rays at our resort-style pools, take a sunset stroll on our waterfront boardwalk, or challenge your friends to a game on our pickleball courts.
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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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