Renters Insurance at The Gray Apartments
What Affects Your Premium Here
Every building is different. These factors specific to The Gray Apartments can push your insurance cost up or down:
Gated Community
Gated access reduces theft risk — may qualify for security discount
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
Dog-Friendly
Dogs allowed — consider higher liability coverage
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 995/100K (37% below national average)
What You'll Likely Pay
$13
Est. Monthly
$155
Est. Annual
$11
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 The Gray Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$25,000
If you own more
$60,000
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 The Gray Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $8/mo | $102/yr |
| USAA | $10/mo | $114/yr |
| State Farm | $13/mo | $152/yr |
| Progressive | $14/mo | $165/yr |
| Safeco | $14/mo | $165/yr |
| Travelers | $15/mo | $178/yr |
| Allstate | $16/mo | $190/yr |
| Nationwide | $16/mo | $190/yr |
| Farmers | $17/mo | $203/yr |
| Liberty Mutual | $19/mo | $228/yr |
Discounts You May Qualify For
Next Step
See if you can beat $11/mo
7 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 Gray Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Gated, Doorman, Sprinklers, Perimeter fencing) 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
Consistently positive in reviews
“Also, the maintenance team member, Domingo, is fantastic, friendly, & called me within the hour.” — Google reviewer
Security
A recurring concern in reviews
“Gym was convenient, parking garage is a nice feature but not overly secure, car was broken into along with 6-7 others.” — Google reviewer
Management
Consistently positive in reviews
“Leasing agents Colin, Lily, and Morgan are very helpful & friendly and maintenance responds to requests extremely fast with effective solutions.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
For a renter, the natural-hazard story at this address is the easy version: flood risk is low, earthquake shaking is rare, and severe weather in Hillsborough County doesn't drive an unusual claim profile. A baseline renters policy is sufficient — none of the optional flood or earthquake endorsements pay back at this kind of address. The data is below for completeness.
Flood damage
This address is in one of FEMA's lower flood-risk classifications. Standard renters policies don't cover flood damage anywhere, but in low-risk zones the cost of a separate NFIP policy generally isn't justified by the expected loss. The detail is below mostly for completeness.
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.
Earthquake shaking
Earthquakes happen rarely enough at this location that an earthquake-specific endorsement isn't a meaningful insurance decision. A baseline renters policy still covers the claims you'd actually file. The USGS-level detail is included below mostly for thoroughness.
Low seismic hazard · ground motion 0.02g
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
Severe-weather activity in Hillsborough County is at the low end. Standard renters insurance already covers wind and hail damage to your stuff, so the data below is more context than coverage gap.
Source: NOAA Storm Events Database, annual averages from the past five years for Hillsborough County. Counts reflect reported events, not damage amounts.
Renters at this address generally don't need optional natural-hazard add-ons. The base policy already covers the realistic claim scenarios.
510 N Rome Ave, Tampa, FL 33606
North Hyde Park
Monthly Cost Breakdown at The Gray Apartments
The listed rent isn't the whole number. Here's what The Gray Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at The Gray 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
Charged per vehicle.
Street Parking
Unreserved surface lot parking
Surface Lot
Unreserved surface lot parking
Pet Policy
Bringing a pet? Here's what The Gray 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.
About The Gray Apartments
From the property listing:
Enjoy your own tempo in a community of luxury apartment homes in North Hyde Park where work, play, passion, and adventure are all just a stroll away. Find your perfect fit with an array of one, two, or three-bedroom apartment homes that are designed to flow in rhythm with your style, comfort, and needs. Why settle for form or function when you can have both?
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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