4202 E Fletcher Ave, Tampa, FL 33613
North Tampa
Monthly Cost Breakdown at The Flats at 4200 Apartments
The listed rent isn't the whole number. Here's what The Flats at 4200 Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at The Flats at 4200 Apartments
We found a few insurance details on The Flats at 4200 Apartments's website. Your lease may have additional requirements — treat these as a starting point.
Lease Requirements
* An "interested party" is the property management company listed on your insurance policy. It doesn't give them any claim rights — it just means they get notified if your policy lapses, which is how the leasing office verifies you stay insured.
One thing to watch for: when you purchase your policy, most carriers have a field where you add the property as an interested party — skip that step and your proof may get rejected. It takes 30 seconds during checkout. Start a quote to see which carriers handle this automatically.
What Affects Your Premium Here
Every building is different. These factors specific to The Flats at 4200 Apartments can push your insurance cost up or down:
Open Access
No gated or controlled access — higher theft exposure
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
$187
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 The Flats at 4200 Apartments 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 The Flats at 4200 Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $9/mo | $112/yr |
| USAA | $11/mo | $126/yr |
| State Farm | $14/mo | $168/yr |
| Progressive | $15/mo | $182/yr |
| Safeco | $15/mo | $182/yr |
| Travelers | $16/mo | $196/yr |
| Allstate | $18/mo | $210/yr |
| Nationwide | $18/mo | $210/yr |
| Farmers | $19/mo | $224/yr |
| Liberty Mutual | $21/mo | $252/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.
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. The Flats at 4200 Apartments also has on-site security features (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.
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 The Flats at 4200 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 The Flats at 4200 Apartments. 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.
Administrative Fee
Charged per unit.
Parking Fees
Parking Fee
Max of 1. Charged per vehicle.
Parking Fee
Max of 1. Charged per vehicle.
Parking Deposit
Charged per vehicle.
Surface Lot
Covered Reserve-$45 Mth, Uncovered Reserved $35 Mth, GeneralSurface $15 Mth.
Other
Covered Reserve-$45 Mth, Uncovered Reserved $35 Mth, GeneralSurface $15 Mth.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what The Flats at 4200 Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About The Flats at 4200 Apartments
From the property listing:
The Flats at 4200 offers fully furnished studio, one, two, three and four bedroom/bath apartments located within walking distance of USF. Each spacious apartment features private bedrooms, private baths, individual leases and kitchens equipped with all appliances including dishwasher and washer and dryer. High speed internet and cable TV are also included. The clubhouse features a resort style pool, movie theater, fitness center, club room with TV's, pool and ping pong tables, computer lab and outdoor patio with grilling station and fire pit.
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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