915 N Franklin St, Tampa, FL 33602
Tampa
Monthly Cost Breakdown at Nine15 Apartments
The listed rent isn't the whole number. Here's what Nine15 Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Nine15 Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Nine15 Apartments can push your insurance cost up or down:
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
Vehicle Crime
2 mentions of car theft, vandalism, or break-ins in reviews
Security System Issues
1 mentions of broken gates, cameras, or locks in 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
$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 Nine15 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
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 Nine15 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
5 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. Nine15 Apartments also has on-site security features (Controlled access, Concierge, Doorman) 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 Nine15 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 Nine15 Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Trash Services - Hauling
Amount for shared trash/waste services. Charged per unit.
Pest Control Services
Amount for pest control services. Charged per unit.
Utility - Billing Administrative Fee
Amount to manage utility services billing. Charged per unit.
Utility - Electric - Third Party
Usage-Based (Utilities).Amount for provision and consumptionof electric paid to a third party. Charged per unit. Payable to 3rd Party
Utility - Water/Sewer
Usage-Based (Utilities).Amount for provision and/or consumption of water and sewer services Charged per unit.
Renters Liability Insurance - Third Party
Amount for renters liability insurance obtained through resident's provider of choice. Charged per leaseholder. Payable to 3rd Party
Administrative Fee
Amount to facilitate move-in process for a resident. Chargedper unit.
Application Fee
Amount to process application, initiate screening, and take a rental home off the market. Charged per applicant.
Utility - New Account Fee
Amount to establish utility services. Charged per unit.
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.
Community Amenity Fee
Amount for community amenity use and services. Charged per unit.
Utility - Final Bill Fee
Amount billed to calculate final utility statement. Charged per unit.
Pets Fees
Pet Fee
Max two pets: A non-refundable pet fee of $500 is required for one pet and $750 for two pets
Pet Rent
Max of 2. Monthly amount for authorized pet. Charged per pet
Pet Management - Third Party
Max of 2. Amount for authorized pet registration and screening services. Charged per pet. Payable to 3rd Party
Parking Fees
Parking Fee
Max of 1. Amount for parking space/services. May be subject to availability. Charged per rentable item.
Parking - Reserved
Max of 1. Amount for reserved parking space/services. May besubject to availability. Charged per rentable item.
Addons Fees
Common Area/Clubhouse Rental
Amount to rent a shared common area space, including clubhouse. May be subject to availability. Charged per unit.
Cable TV and Internet Services
Amount for cable and internet services in rental home. Charged per unit. Payable to 3rd Party
Situational Fees
Express Move Out
Amount for community to perform rental home cleaning upon move-out. Charged per unit type.
Security Deposit - Additional (Refundable)
Additional amount, based on screening results, 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.
Intra-Community Transfer Fee
Amount due when transferring to another rental unit within community. Charged per unit.
Late Fee
Amount for paying after rent due date; per terms of lease. Charged per unit.
Access/Lock Change Fee
Amount to change or reprogram access to rental home. Chargedper unit.
Lease Violation
Amount for violation of community policies and/or per lease terms. Charged per unit.
Utility - Vacant Cost Recovery
Amount for utility usage not transferred to resident responsibility any time during occupancy. Charged per unit.
Access Device - Replacement
Amount to obtain a replacement access device for community; fobs, keys, remotes, access passes. Charged per device.
Returned Payment Fee (NSF)
Amount for returned payment. Charged per unit.
Liquidated Damages
Amount for not satisfying the application and/or lease termsCharged per unit.
Early Lease Termination/Cancellation
Amount to terminate lease earlier than lease end date; excludes rent and other charges. Charged per unit.
Legal/Eviction Fees
Amount for legal expenses incurred for lease violations. Charged per unit.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Nine15 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 Allowed
- $25 Monthly Pet Rent
- $500 Fee
- 2 Pet Limit
About Nine15 Apartments
A MASTERPIECE OF DOWNTOWN LIVING At last, spectacular high-rise luxury living that reflects your impeccable taste. Perfectly placed at the intersection of Franklin and Cass, Nine15 is located in the center of Downtown Tampas extraordinary arts and entertainment district. With unparalleled amenities and services accompanying an exquisite collection of 1 and 2 bedroom apartment homes, Nine15 is exactly what youve been waiting for.
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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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