Renters Insurance at Garden Terrace Apartments
We found a few insurance details on Garden Terrace Apartments's website. Your lease may have additional requirements — treat these as a starting point.
Lease Requirements
* An "interested party" is the property management company listed on your insurance policy. It doesn't give them any claim rights — it just means they get notified if your policy lapses, which is how the leasing office verifies you stay insured.
One thing to watch for: when you purchase your policy, most carriers have a field where you add the property as an interested party — skip that step and your proof may get rejected. It takes 30 seconds during checkout. Start a quote to see which carriers handle this automatically.
What Affects Your Premium Here
Every building is different. These factors specific to Garden Terrace Apartments can push your insurance cost up or down:
Older Building
Built in 1983 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
Ground Level
Single-story — higher flood/water intrusion risk
Water/Leak Issues
3 mentions in Google reviews
Pest Issues
4 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
$17
Est. Monthly
$206
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 Garden Terrace Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$10,000
If you own more
$25,000
Liability
Covers accidental harm & lawsuits
Standard minimum for most lease requirements in Florida. Cats present minimal liability risk vs dogs.
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Garden Terrace Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $9/mo | $112/yr |
| USAA | $11/mo | $126/yr |
| State Farm | $14/mo | $168/yr |
| Progressive | $15/mo | $182/yr |
| Safeco | $15/mo | $182/yr |
| Travelers | $16/mo | $196/yr |
| Allstate | $18/mo | $210/yr |
| Nationwide | $18/mo | $210/yr |
| Farmers | $19/mo | $224/yr |
| Liberty Mutual | $21/mo | $252/yr |
Discounts You May Qualify For
Next Step
See if you can beat $17/mo
4 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. Garden Terrace Apartments also has on-site security features (Package service, 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.
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 Garden Terrace 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.
8725 Del Ray Ct, Tampa, FL 33617
North Tampa
Monthly Cost Breakdown at Garden Terrace Apartments
The listed rent isn't the whole number. Here's what Garden Terrace Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Garden Terrace Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Application Fee Per Applicant
Charged per applicant.
Pets Fees
Pet Deposit
Max of 2. Charged per pet.
One-Time Pet Fee
Max of 2. Charged per pet.
Monthly Pet Fee
Max of 2. Charged per pet.
Parking Fees
Surface Lot
Parking Available
Pet Policy
Bringing a pet? Here's what Garden Terrace Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Garden Terrace Apartments
From the property listing:
At Garden Terrace, you'll find comfortable apartments with washer/dryer connections & extra storage. We're located Located in the heart of North Tampa near the Temple Terrace neighborhood, Garden Terrace offers easy access to all areas of Tampa. With our easy access to public transportation and the close proximity of several local grocery stores, it will be easy for you to make Garden Terrace a place to come home to! Our single-story, villa-style Temple Terrace Tampa apartments feature private entrances and patios for your enjoyment.
Frequently Asked Questions
Does Garden Terrace Apartments require renters insurance?
How much is renters insurance at Garden Terrace Apartments?
What will I actually pay per month at Garden Terrace Apartments?
Does Garden Terrace Apartments allow pets?
How safe is the area around Garden Terrace Apartments?
What floor plans does Garden Terrace 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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