Crosswynde by ARIUM Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Crosswynde by ARIUM Apartments in Tampa? Rent here runs $1,326 - $3,729, and renters insurance adds about $16/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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1502 Marsh Cove Ct, Tampa, FL 33619

Tampa

Built 2001 3 stories 318 units
3.9/5 ·392 reviews Google
5/5 ·24 reviews Apt. Finder
$1,326 - $3,729 /month

Monthly Cost Breakdown at Crosswynde by ARIUM Apartments

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

Total Monthly Cost $2,167 – $4,570
Base Rent $1,326 – $3,729
Required Monthly Fees $825
Est. Renters Insurance $16/mo

Renters Insurance at Crosswynde by ARIUM Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Crosswynde by ARIUM Apartments can push your insurance cost up or down:

Open Access

No gated or controlled access — higher theft exposure

Dog-Friendly

Dogs allowed — consider higher liability coverage

FEMA Flood Zone

Zone X — minimal flood risk

FBI UCR

Property crime rate: 995/100K (37% below national average)

What You'll Likely Pay

$16

Est. Monthly

$187

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 Crosswynde by ARIUM Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$75,000 recommended

If you own less

$40,000

If you own more

$100,000

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 Crosswynde by ARIUM 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

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

Next Step

See if you can beat $16/mo

4 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.

995 per 100K residents

Property crime rate in Tampa

-37% below national average (1,578/100K)

Breakdown per 100K residents

Burglary108 (nat. 200)
Larceny / theft784 (nat. 1,172)
Vehicle theft103 (nat. 206)

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. Crosswynde by ARIUM Apartments also has on-site security features (Property manager on site) 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.

Maintenance Issues Common topic
Pest Issues Mentioned

On-Site Security

Property manager on site

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Crosswynde by ARIUM 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 Crosswynde by ARIUM Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Garage/Garage Rental (Optional)

$125 if available Charged per unit.

$125 / mo

Utility - Electric

TECO Energy Charged per unit. Payable to 3rd Party

$151.21 / mo

Renters Insurance (Optional)

Charged per unit.

$16 / mo

Valet Trash (Optional)

Charged per unit.

$28 / mo

Pest Control

Charged per unit.

$5 / mo

Storage (Optional)

$50/month if available Charged per unit.

$50 / mo

Internet/Cable

Spectrum Internet Charged per unit. Payable to 3rd Party

$75 / mo

Utility - Water

$40+/month Charged per unit.

Varies / mo

Application Fee Per Applicant

$75 per applicant over 18 Charged per applicant.

$75

Administrative Fee

Charged per unit.

$250

Amenities

Special Features

24-hour Fitness Center Frisbee Golf Garages Available* Gourmet Kitchen Washer/Dryer* Garden Center Cable/Satellite Connections Screened-in Patio* Spacious Closets Car Care Center Ceiling Fan Detached Garages* Resort-Style Swimming Pool Air Conditioner 2 Bark Parks Outdoor Lounge Private Patio/Balcony 9-Foot Ceilings Tennis Courts

Community Features

Laundry Facilities Maintenance on site Trash Pickup - Door to Door Pet Play Area Clubhouse Walk-Up Fitness Center Pool Playground Basketball Court Tennis Court Volleyball Court

Floor Plan Amenities

Washer/Dryer Air Conditioning Ceiling Fans Cable Ready Trash Compactor Tub/Shower Dishwasher Disposal Ice Maker Granite Countertops Stainless Steel Appliances Kitchen Microwave Oven Range Refrigerator Freezer Hardwood Floors Carpet Tile Floors Vinyl Flooring Dining Room High Ceilings Window Coverings Balcony Patio

Pet Policy

Bringing a pet? Here's what Crosswynde by ARIUM 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

About Crosswynde by ARIUM Apartments

Relax and reset at Crosswynde by ARIUM, a peaceful community featuring upgraded 1, 2, and 3-bedroom expansive floor plans coupled with upscale amenities. Our charming community is designed with your comfort in mind and features easy access to Tampa's hot spots, supporting your everyday excursions. Explore an abundance of shopping, dining, and entertainment options at Brandon Town Center, Brandon Crossings, and Lake Brandon Plaza - all only 2 miles away. Quick access to Selmon Expressway, I-75, and I-4 makes adventuring around Tampa hassle-free. Let your worries slip away while relaxing in a private cabana next to our resort-style pool. Maximize your leisure time and play a match on our sports courts, bring your furry companion to our dog parks, or venture to Eureka Springs Park to enjoy luscious gardens & trails.

Year Built: 2001
Stories: 3
Total Units: 318
Phone: (855) 950-0527

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

Does Crosswynde by ARIUM Apartments require renters insurance?
We didn't find a public insurance requirement for Crosswynde by ARIUM Apartments, 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 Crosswynde by ARIUM Apartments?
For this zip code and building type, expect to pay around $16/month ($187/year). For context, the statewide average is $16/month, so this building is right around average.
What will I actually pay per month at Crosswynde by ARIUM Apartments?
Plan for $2,167 to $4,570/month all-in. That's base rent ($1,326 - $3,729), plus $825/month in required fees (trash, utilities, etc.), plus roughly $16/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Crosswynde by ARIUM Apartments allow pets?
Yes, Crosswynde by ARIUM Apartments is pet-friendly. Here are the details: Cats and 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 Crosswynde by ARIUM Apartments?
Property crime in Tampa is well below the national average — 995 per 100,000 residents versus 1578 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 property manager on site — features that can qualify for premium discounts.
What floor plans does Crosswynde by ARIUM Apartments offer?
There are 6 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,326 - $3,729. Your unit size can affect your insurance cost too — a larger unit typically means more belongings to cover.

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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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