Cortland Lakecrest Apartments: Renters Insurance Guide & What It Actually Costs

Monthly Cost Breakdown at Cortland Lakecrest Apartments

The listed rent isn't the whole number. Here's what Cortland Lakecrest Apartments actually costs each month once you add required fees and insurance.

Renters Insurance at Cortland Lakecrest Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Cortland Lakecrest Apartments can push your insurance cost up or down:

What You'll Likely Pay

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 Lakecrest Apartments based on the rent level and building features.

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 Lakecrest Apartments:

Discounts You May Qualify For

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.

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 Lakecrest Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Gated, Doorman, Sprinklers, Covered parking, 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 Lakecrest Apartments.

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 Lakecrest Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Pets Fees

Parking Fees

Addons Fees

Situational Fees

Amenities

Special Features

Community Features

Floor Plan Amenities

Pet Policy

Bringing a pet? Here's what Cortland Lakecrest 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 Allowed

• $25 Monthly Pet Rent
• $400 Fee
• 80 lb Weight Limit
• 2 Pet Limit

About Cortland Lakecrest Apartments

Located in Terrace Park and with convenience to I-275 and I-75, our apartments by USF offer the best of Uptown Tampa at your doorstep. Features like spacious walk-in closets will make you proud to call any of our one, two, and three-bedroom townhomes and apartments in Tampa home. Walkability to the University of South Florida and convenience to major employers in the Tampa Medical District and I-75 Business Corridor makes your everyday commute a breeze. When you’re considering your weekend (or weeknight) plans, you have plenty of options nearby. Spend a sunny day on the links at Temple Terrace Golf and Country Club, treat yourself to some shopping or grab a bite at University Mall, then watch a game with friends at Yuengling Center. If you’re looking for a thrill, head over to Busch Gardens for a fun day with family. No matter what your day looks like, you’ll come home to the hospitality and service of a community team dedicated to you. What We Offer Cortland Lakecrest is located at 10420 McKinley Dr., Tampa, FL 33612. Enjoy a resort-style pool, 24/7 fitness center, movie theater, and sand volleyball court. Our luxury Tampa apartments with lake views also feature energy-efficient appliances, spacious kitchen pantries, and private patios or balconies. Choose from a variety of floor plans, including one, two, and three-bedroom apartments and townhomes, each designed with luxury lifestyles in mind. At Cortland, customer service is more than a promise – it's our passion. Our apartments near Busch Gardens prioritize each resident, ensuring that hospitality here is more than just a standard – it’s what we do best. With attention to every detail and a commitment to providing next-level apartment living, we make it clear that our residents are our number one priority. Every moment you spend with us is an opportunity to show how much you matter. At Cortland Lakecrest, we believe in creating a vibrant community. Join us for resident events, social gatherings, and community activities that make living here a unique experience. We also welcome your furry friends! Our pet-friendly apartment community includes a designated dog park for furry residents, large and small. Ready to see your new Cortland apartment home? Schedule a tour today!

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