2409 E 2nd Ave, Tampa, FL 33605
Tampa
Monthly Cost Breakdown at Lector 85 Apartments
The listed rent isn't the whole number. Here's what Lector 85 Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Lector 85 Apartments
Accepted Insurance Providers
Lector 85 Apartments accepts policies from these carriers — though most standard renters insurance companies will be fine. If you already have a policy, check if your carrier is on the list.
What Affects Your Premium Here
Every building is different. These factors specific to Lector 85 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 AE — High-risk flood area with base flood elevation. Flood insurance strongly recommended.
FBI UCR
Property crime rate: 995/100K (37% below national average)
What You'll Likely Pay
$16
Est. Monthly
$196
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 Lector 85 Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$30,000
If you own more
$75,000
Liability
Covers accidental harm & lawsuits
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 Lector 85 Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $11/mo | $128/yr |
| USAA | $12/mo | $144/yr |
| State Farm | $16/mo | $192/yr |
| Progressive | $17/mo | $208/yr |
| Safeco | $17/mo | $208/yr |
| Travelers | $19/mo | $224/yr |
| Allstate | $20/mo | $240/yr |
| Nationwide | $20/mo | $240/yr |
| Farmers | $21/mo | $256/yr |
| Liberty Mutual | $24/mo | $289/yr |
Discounts You May Qualify For
Next Step
See if you can beat $16/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.
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. Lector 85 Apartments also has on-site security features (Package service, Property manager on site, Covered parking) 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 Lector 85 Apartments.
FEMA Zone AE (Coastal Floodplain) — High-risk flood area with base flood elevation
Flood insurance strongly recommended — standard renters policies exclude flood damage.
What to know about flood insurance as a renter:
- Your landlord's building policy does not cover your belongings
- NFIP (National Flood Insurance Program) offers renters policies starting around $99/year
- Private carriers (Neptune, Wright Flood) may offer lower rates
- Most flood claims in this zone are for personal property, not structural damage
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 Lector 85 Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Trash Rebill - Door To Door PU
Charged per unit.
Cable Rebill
Charged per unit.
Situational Fees
Transfer Fees
Charged per unit.
NSF Fees
Charged per unit.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Lector 85 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
- $25 Monthly Pet Rent
- $400 Fee
- 2 Pet Limit
About Lector 85 Apartments
If you're looking for apartments in Tampa, living in Ybor City should be on your radar. As one of Tampa's most historic and culturally diverse neighborhoods, this area is one of Tampa's best, and life at Lector 85 puts you in the heart of it all. Immerse yourself in the neighborhood's diverse foodie scene, vintage shops, boutiques, and entertainment that make this community truly unique. Come home to your choice of Studio, 1, 2, and 3-Bedroom urban apartment homes and all the amenity perks you can imagine. Life at Lector 85 is the perfect home for anyone to write their next chapter. Lector 85 was made to provide the sleekest standard of living and be one of the most luxury apartments Tampa offers. Our modern interior finishes and convenient community perks are the perfect addition to this historical and cultural hub. Founded in 1885, Ybor City coined a unique profession and cultural leader known as "Lectors." To stay entertained throughout the workday, the historic cigar factory workers would open pay individuals to read books, newspapers, and magazines aloud for hours on end. These individuals eventually became known as Lectors and evolved into highly respected influential leaders who imparted new ideas. Today, Lector 85 exists to celebrate Ybor's roots while providing a space for a new generation of cultural leaders to emerge.
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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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