Renters Insurance at Sunscape Apartment Homes
What Affects Your Premium Here
Every building is different. These factors specific to Sunscape Apartment Homes can push your insurance cost up or down:
Older Building
Built in 1986 — 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
$16
Est. Monthly
$196
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 Sunscape Apartment Homes based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$15,000
If you own more
$40,000
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 Sunscape Apartment Homes:
| 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
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.
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. Sunscape Apartment Homes also has on-site security features (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.
What residents talk about most
Maintenance
A recurring concern in reviews
“It’s been over a month now and my AC is still not fixed and I’m certain my electric bill is gonna be high despite that the AC runs without working.” — Google reviewer
Security
Consistently positive in reviews
“The gate at the front of the complex works as well (stayed at so many where it was broken and never fixed), and I always felt safe in my unit, day and night.” — Google reviewer
Management
Consistently positive in reviews
“Always above and beyond with her.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
At Sunscape Apartment Homes, none of the three big natural hazards a renter might worry about — flooding, earthquakes, severe weather — show up as meaningful concerns. A standard renters policy without endorsements covers the actual claim risks here. The agency-by-agency detail is below if you want to see it.
Flood damage
FEMA's flood-zone classification for this address is low-risk, which means the federal government doesn't expect significant flooding here under typical conditions. A standard renters policy still excludes flood damage, but a separate flood policy is hard to justify economically when the underlying risk is low. The zone label is below for the record.
FEMA Zone X (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.
Earthquake shaking
USGS rates seismic activity here as low. A damaging earthquake is unlikely enough that most renters skip the earthquake endorsement entirely — your standard renters policy still covers the things you actually claim against (theft, fire, water damage from leaks, wind damage). The hazard data is below for completeness.
Low seismic hazard · ground motion 0.03g
Skipping the endorsement is a defensible choice at this hazard level. Theft, fire, lightning, and most water damage stay covered under your standard renters policy regardless.
Hazard data from USGS National Seismic Hazard Model. The ground-motion figure is the level USGS expects to be exceeded with about 2% probability over a 50-year horizon — the standard reference used in building codes.
Severe weather you'd actually claim for
NOAA's severe-weather record for Hillsborough County is on the calmer end of the national distribution — modest activity across most categories. Whatever does happen, your renters policy already covers it (wind, hail, lightning damage to your possessions). The five-year averages are below.
Source: NOAA Storm Events Database, annual averages from the past five years for Hillsborough County. Counts reflect reported events, not damage amounts.
The natural-hazard picture is favorable enough that a baseline renters policy is the right end-state for most renters here. No upgrade required.
13617 Fletcher Regency Dr, Tampa, FL 33613
North Tampa
Monthly Cost Breakdown at Sunscape Apartment Homes
The listed rent isn't the whole number. Here's what Sunscape Apartment Homes actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Sunscape Apartment Homes. 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
Dog Fee
Charged per pet.
Dog Rent
Charged per pet.
Cat Fee
Charged per pet.
Cat Rent
Charged per pet.
Pet Policy
Bringing a pet? Here's what Sunscape Apartment Homes allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Sunscape Apartment Homes
From the property listing:
Welcome to Sunscape Apartments, a resort-style oasis nestled in the heart of Tampa, Florida. Our pet friendly community offers a serene escape, centered around a pristine lake adorned with swaying trees and lush landscaping. Step inside our renovated 1 and 2 bedroom apartments featuring premium flooring, in unit washer dryers, dishwashers and upgraded light fixtures, embodying modern comfort and sophisticated design. Our expansive grounds amenities' include a sparkling pool, sundeck and BBQ perfect for soaking up the Florida sun and gathering with friends and neighbors.
Frequently Asked Questions
Does Sunscape Apartment Homes require renters insurance?
How much is renters insurance at Sunscape Apartment Homes?
What will I actually pay per month at Sunscape Apartment Homes?
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How safe is the area around Sunscape Apartment Homes?
What floor plans does Sunscape Apartment Homes offer?
Is SafeButler affiliated with Sunscape Apartment Homes?
What is SafeButler and how does it work for Sunscape Apartment Homes renters?
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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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