4504 W Spruce St, Tampa, FL 33607
Tampa
Monthly Cost Breakdown at Lantower Westshore Apartments
The listed rent isn't the whole number. Here's what Lantower Westshore Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Lantower Westshore Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Lantower Westshore Apartments can push your insurance cost up or down:
Gated Community
Gated access reduces theft risk — may qualify for security discount
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
$195
Est. Annual
$15
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 Lantower Westshore Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$40,000
If you own more
$100,000
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 Lantower Westshore Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $10/mo | $118/yr |
| USAA | $11/mo | $132/yr |
| State Farm | $15/mo | $176/yr |
| Progressive | $16/mo | $191/yr |
| Safeco | $16/mo | $191/yr |
| Travelers | $17/mo | $206/yr |
| Allstate | $18/mo | $220/yr |
| Nationwide | $18/mo | $220/yr |
| Farmers | $20/mo | $235/yr |
| Liberty Mutual | $22/mo | $264/yr |
Discounts You May Qualify For
Next Step
See if you can beat $15/mo
6 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.
Property crime rate in Tampa
-37% below national average (1,578/100K)
Breakdown per 100K residents
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. Lantower Westshore Apartments also has on-site security features (Package service, Gated) 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 Lantower Westshore 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 Lantower Westshore Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Pest Control Services
Amount for pest control services. Charged per unit.
Smart Home Services
Amount for smart home devices and services; services may vary. Charged per unit.
Trash Services - Doorstep
Amount for doorstep trash removal from rental home. Charged per unit.
Package Services
Amount for package services. Charged per unit.
Parking - Reserved
Amount for reserved parking space/services. May be subject to availability. Charged per rentable item.
Application Fee
Amount to process application, initiate screening, and take a rental home off the market. Charged per applicant.
Security Deposit (Refundable)
Amount intended to be held through residency that may be applied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit.
Pets Fees
Pet Rent
Max of 2. Monthly amount for authorized pet. Charged per pet/animal.
Situational Fees
Early Lease Termination/Cancellation
Amount to terminate lease earlier than lease end date; excludes rent and other charges. Charged per unit.
Pet Fee
Amount to facilitate authorized pet move-in. Charged per pet/animal.
Returned Payment Fee (NSF)
Amount for returned payment. Charged per unit.
Late Fee
Amount for paying after rent due date; per terms of lease. Charged per unit.
Resident Change Fee
Amount to process a change in leaseholder during lease term.Charged per leaseholder.
Intra-Community Transfer Fee
Amount due when transferring to another rental unit within community. Charged per unit.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Lantower Westshore 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.
- Other Pets Allowed
About Lantower Westshore Apartments
Lantower Westshore offers a connected lifestyle for those seeking exceptional apartments in Tampa, FL. Located in the Westshore Business District, our community features spacious one, two, and three-bedroom homes designed with wood-style flooring and tile backsplashes. You will appreciate the stainless steel Whirlpool appliance package and Energy Star washer and dryer. We also provide smart home technology with keyless entry and Honeywell digital thermostats. Beyond your door, unwind at the saltwater pool or the garden courtyard with a double-sided fireplace. Our amenities include a 24-hour fitness studio, poolside cabana lounge, and valet trash service. We invite you to experience a seamless daily routine.
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.
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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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