Montierra Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Montierra Apartments in North Tampa? Rent here runs $1,155 – $1,630, and renters insurance adds about $18/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

Get Renters Insurance for Montierra Apartments

Compare renters insurance quotes in seconds

14401 N 22nd St, Tampa, FL 33613

North Tampa

Built 1970 2 stories 96 units
3.3/5 ·13 reviews Google
Apt. Finder
$1,155 – $1,630 /month

Monthly Cost Breakdown at Montierra Apartments

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

Total Monthly Cost $1,633 – $2,108
Base Rent $1,155 – $1,630
Required Monthly Fees $460
Est. Renters Insurance $18/mo

Renters Insurance at Montierra Apartments

What Affects Your Premium Here

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

Older Building

Built in 1970 — older plumbing/electrical may increase risk

Gated Community

Gated access reduces theft risk — may qualify for security discount

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

$18

Est. Monthly

$215

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 Montierra Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$25,000 recommended

If you own less

$15,000

If you own more

$40,000

Liability

Covers accidental harm & lawsuits

$300,000 recommended

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 Montierra 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

Gated community
-5%
Security cameras
-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 $16/mo

6 discounts may apply here. Real quotes show your actual price — estimates can't.

Compare Quotes Free · No account required

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

995

per 100K residents

37% below U.S. avg

U.S. avg is 1,578 per 100K

Breakdown per 100K residents

Burglary
108 / 200
Larceny / theft
784 / 1,172
Vehicle theft
103 / 206
Tampa 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. Montierra Apartments also has on-site security features (Gated, Security cameras, On site maintenance) 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.

Pest Issues Common topic
4×
Maintenance Issues Mentioned
1×
Noise Mentioned
1×

On-Site Security

Gated Security cameras On site maintenance

Flood Risk

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

Required Fees

Utility - Water/Sewer

Charged per unit.

$100 / mo

High Speed Internet Access

Charged per unit.

$60 / mo

Administrative Fee

$150

Application Fee Per Applicant

$75

Pets Fees

One-Time Pet Fee

Max of 2. Charged per pet.

$300

Monthly Pet Fee

Max of 2. Charged per pet.

$15 / mo

Situational Fees

Renter's Insurance

This can be waived with proof of your own policy Charged peroccurrence.

$15 / mo

Amenities

Community Features

Laundry Facilities Maintenance on site Car Wash Area Clubhouse Walk-Up Pool Gameroom

Floor Plan Amenities

High Speed Internet Access Wi-Fi Air Conditioning Heating Smoke Free Tile Floors Vinyl Flooring Dining Room Balcony

Pet Policy

Bringing a pet? Here's what Montierra Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.

Cats Allowed

  • $15 Monthly Pet Rent
  • $300 Fee
  • 2 Pet Limit

About Montierra Apartments

Montierra Apartments is a gated residential community with 24 hour surveillance, friendly management staff and an on site maintenance team equipped to respond quickly to any needs that might arise. We are a pet friendly & equal opportunity housing with various amenities including car wash, game room, pool, onsite laundry & free parking.

Year Built: 1970
Stories: 2
Total Units: 96
Phone: (833) 553-0682

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.

10112 N Lantana Ave Rental

North Tampa

$1,875 Ins: ~$16/mo

10144 Arbor Run Dr Rental

North Tampa

$2,645 Ins: ~$16/mo

10508 Canary Isle Dr Rental

North Tampa

$3,675 Ins: ~$16/mo

10625 Pictorial Park Dr Rental

North Tampa

$3,095 Ins: ~$16/mo

11312 N 52nd St Apartment

North Tampa

$1,250 Ins: ~$16/mo

11314 N 52nd St Apartment

North Tampa

$1,250 Ins: ~$16/mo

Frequently Asked Questions

Does Montierra Apartments require renters insurance?
We didn't find a public insurance requirement for Montierra 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 Montierra Apartments?
For this zip code and building type, expect to pay around $18/month ($215/year). Montierra Apartments has security features that qualify for discounts — with those applied, you could pay as little as $16/month. For context, the statewide average is $16/month, so this building is above average.
What will I actually pay per month at Montierra Apartments?
Plan for $1,633 to $2,108/month all-in. That's base rent ($1,155 – $1,630), plus $460/month in required fees (trash, utilities, etc.), plus roughly $18/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Montierra Apartments allow pets?
Yes, Montierra Apartments is pet-friendly. Here are the details: Cats Allowed. $15 Monthly Pet Rent. $300 Fee. 2 Pet Limit. 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 Montierra 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 gated, security cameras, on site maintenance — features that can qualify for premium discounts.
What floor plans does Montierra Apartments offer?
There are 2 floor plans to choose from, spanning 1-bedroom, 2-bedroom layouts. Rent ranges from $1,155 – $1,630. Your unit size can affect your insurance cost too — a larger unit typically means more belongings to cover.

Get Renters Insurance for Montierra Apartments

See how much you could save on renters insurance

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.

SafeButler Inc. strives to ensure that the information on this site is up to date, but we will not be held liable for any delays, inaccuracies, errors, or omissions. This site and all materials contained on it are distributed and provided "as is" and "as available" for use. SafeButler.com makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.

Your privacy

We use cookies to run this site, measure how it's used, and support our advertising. See our Privacy Policy for details.