Enclave At Wesley Chapel Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Enclave At Wesley Chapel Apartments in Wesley Chapel? This community requires renters insurance before you can sign a lease, and with rent at $1,315 – $2,320, you'll want to know exactly what that adds to your monthly bill. We estimate coverage here runs about $13/mo — below we break down the lease requirements, compare carriers, and show you how to get the best rate.

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1930 Devonwood Dr, Wesley Chapel, FL 33544

Wesley Chapel

Built 2006 3 stories 312 units
3.8/5 ·328 reviews Google
5/5 ·13 reviews Apt. Finder
$1,315 – $2,320 /month

Monthly Cost Breakdown at Enclave At Wesley Chapel Apartments

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

Total Monthly Cost $1,451 – $2,456
Base Rent $1,315 – $2,320
Required Monthly Fees $123
Est. Renters Insurance $13/mo

Renters Insurance at Enclave At Wesley Chapel Apartments

According to Enclave At Wesley Chapel Apartments's website, you'll need a renters insurance policy, and the property needs to be named on your policy. This isn't unusual — most Class-A apartment communities have similar requirements because it protects both you and the building if something goes wrong.

Your lease at Enclave At Wesley Chapel Apartments expects

A qualifying renters insurance policy

Meet these minimums before move-in and you'll avoid last-minute scrambling at the leasing office. Most standard renters policies satisfy these requirements — we'll help you find one that does, below.

Interested party Add Enclave At Wesley Chapel Apartments to your policy as an interested party

Carriers listed on their website

Sure Kin

You're not limited to these — a leasing office can't legally restrict you to specific carriers. Any licensed insurer that meets the coverage minimums above will be accepted, so shop for the policy that fits your budget.

The "interested party" wrinkle is easy to miss. When you buy your policy, most carriers have a field during checkout where you add the property — it takes about 30 seconds. Without it, your proof of insurance may get rejected by the leasing office even if your coverage is otherwise fine.

In Enclave At Wesley Chapel Apartments's own words:

"BREED RESTRICTIONS: Excluded dog breeds include Akita, Alaskan Malamute, American Bull Dog, American Pit Bull Terrier, American or Bull Staffordshire Terrier, Bullmastiff, Bull Terrier, Chinese Shar-Pei, Dalmatian, Doberman Pinscher, Presa Canario, Pit Bull, Rottweiler, Siberian Husky, Stafford Terrier, Chow, German Shepherd and any mix thereof. Letter required by Certified Veterinarian for proof of breed, weight, and required vaccinations."

What Affects Your Premium Here

Every building is different. These factors specific to Enclave At Wesley Chapel Apartments can push your insurance cost up or down:

Gated Community

Gated access reduces theft risk — may qualify for security discount

Dog-Friendly

Dogs allowed — consider higher liability coverage

Security System Issues

1 mentions of broken gates, cameras, or locks in reviews

FEMA Flood Zone

Zone X — minimal flood risk

What You'll Likely Pay

$13

Est. Monthly

$159

Est. Annual

$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 Enclave At Wesley Chapel Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$30,000 recommended

If you own less

$20,000

If you own more

$50,000

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 Enclave At Wesley Chapel Apartments:

Carrier Monthly Annual
Lemonade $8/mo $91/yr
USAA $9/mo $102/yr
State Farm $11/mo $136/yr
Progressive $12/mo $148/yr
Safeco $12/mo $148/yr
Travelers $13/mo $159/yr
Allstate $14/mo $170/yr
Nationwide $14/mo $170/yr
Farmers $15/mo $182/yr
Liberty Mutual $17/mo $204/yr

Discounts You May Qualify For

Gated community
-5%
Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $13/mo

5 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 Wesley Chapel.

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 Frequent topic
11×
Noise Common topic
Water Damage Mentioned
Security System Failures Mentioned

On-Site Security

Gated

Flood Risk

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

Required Fees

Deposit Waiver Min

Deposit Waiver Min Charged per unit.

$22 / mo

Trash Reimb

Trash Reimb Charged per unit.

$35 / mo

Application Fee

Online Application Fee Charged per applicant.

$100

Redec Fees

Admin Fee Charged per unit.

$200

Pets Fees

Pet Fees Or Charges

Pet Fees (Dog) Charged per pet.

$300

Parking Fees

Detach Gar - Parking

Detach Gar - Parking Charged per vehicle.

$125 / mo

Attach Gara - Parking

Attach Gara - Parking Charged per vehicle.

$155 / mo

Amenities

Special Features

2x2 Upgraded Flooring Resident Business Center Resort Style Pool Billiards available Fountain View Lake view Garages Available 1x1 Upgraded Flooring

Community Features

Business Center Clubhouse Walk-Up Fitness Center Pool

Floor Plan Amenities

Air Conditioning Smoke Free Storage Space Double Vanities Tub/Shower Dishwasher Stainless Steel Appliances Kitchen Range Dining Room Office Crown Molding Walk-In Closets Balcony Patio

Pet Policy

Bringing a pet? Here's what Enclave At Wesley Chapel 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 Enclave At Wesley Chapel Apartments

Our leasing office has gone virtual and we are temporarily ceasing all in-person property tours. Instead, we invite you to use our website to explore our community virtually and call or email us to lease online. In the idyllic Wesley Chapel, our community provides a sanctuary from everyday life. Enclave at Wesley Chapel is a luxury apartment community offering resort-style amenities in a scenic environment just minutes from shopping, upscale restaurants and Tampa International Airport. Relax at the spectacular pool and spa, enjoy a game of tennis on our community court, or get your heartbeat racing in our state-of-the-art fitness center – all without leaving home. Wesley Chapel is a rapidly growing and family-friendly area known for its great school district. Our community is conveniently situated so you can have direct access to all employment centers throughout Tampa and its surrounding areas. We take pride in offering our residents the best of the best when it comes to our luxury lifestyle. Set up your personal tour today to get a first-hand look at one of our one, two, or three bedroom style apartment homes. Luxury features include screened-in patios, nine or ten-foot ceilings, walk-in closets, full-size washers and dryers, crown molding, and black appliances. Come make Enclave at Wesley Chapel your new home!

Year Built: 2006
Stories: 3
Total Units: 312
Phone: (813) 923-2714

Other Options Nearby

Still weighing your choices? Other communities in Wesley Chapel — compare rent and estimated insurance cost side by side.

Frequently Asked Questions

Does Enclave At Wesley Chapel Apartments require renters insurance?
Yes — you'll need an active renters insurance policy to sign a lease at Enclave At Wesley Chapel Apartments. You'll need to add the property management as an interested party on your policy, which most carriers can do at no extra charge.
How much is renters insurance at Enclave At Wesley Chapel Apartments?
For this zip code and building type, expect to pay around $13/month ($159/year). For context, the statewide average is $16/month, so this building is below average.
What will I actually pay per month at Enclave At Wesley Chapel Apartments?
Plan for $1,451 to $2,456/month all-in. That's base rent ($1,315 – $2,320), plus $123/month in required fees (trash, utilities, etc.), plus roughly $13/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Enclave At Wesley Chapel Apartments allow pets?
Yes, Enclave At Wesley Chapel 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.
What floor plans does Enclave At Wesley Chapel Apartments offer?
There are 7 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,315 – $2,320. 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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