The Lodge at Hidden River Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at The Lodge at Hidden River Apartments in New Tampa? Rent here runs $1,508 – $3,693, and renters insurance adds about $14/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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14059 Riveredge Dr, Tampa, FL 33637

New Tampa

Managed by Preferred Apartment Communities Built 2017 3 stories 300 units
4.3/5 ·340 reviews Google
5/5 ·13 reviews Apt. Finder
$1,508 – $3,693 /month

Monthly Cost Breakdown at The Lodge at Hidden River Apartments

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

Total Monthly Cost $1,522 – $3,707
Base Rent $1,508 – $3,693
Est. Renters Insurance $14/mo

Renters Insurance at The Lodge at Hidden River Apartments

Accepted Insurance Providers

The Lodge at Hidden River Apartments accepts policies from these carriers — though most standard renters insurance companies will be fine. If you already have a policy, check if your carrier is on the list.

Kin

What Affects Your Premium Here

Every building is different. These factors specific to The Lodge at Hidden River Apartments can push your insurance cost up or down:

Open Access

No gated or controlled access — higher theft exposure

Theft Reports

3 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

$14

Est. Monthly

$172

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 Lodge at Hidden River Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$30,000 recommended

If you own less

$20,000

If you own more

$50,000

Liability

Covers accidental harm & lawsuits

$100,000 recommended

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 The Lodge at Hidden River 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

Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $14/mo

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

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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. The Lodge at Hidden River Apartments also has on-site security features (Package service) 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.

Maintenance Issues Frequent topic
Theft Common topic
Pest Issues Mentioned
Water Damage Mentioned

On-Site Security

Package service

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 Lodge at Hidden River 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 Lodge at Hidden River 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.

$75

Administrative Fee

Charged per unit.

$175

Pets Fees

One-Time Pet Fee

Max of 2. Charged per pet.

$400

Monthly Pet Fee

Max of 2. Charged per pet.

$25 / mo

Amenities

Special Features

Large Closets Modern Grey Wood Cabinetry Separate Dining Areas 2" Faux Blinds with access to either a balcony or patio space Breakfast Bars Subway Tile Backslash and Undercabinet Lighting Car Care Center Screened Balconies and Patios Granite Countertops with Undermount Sinks Kitchen Island Brushed Nickel Fixtures Throughout Framed Bathroom Mirrors

Community Features

Business Center Walk-Up Cabana Grill Fitness Center

Floor Plan Amenities

Washer/Dryer Granite Countertops Stainless Steel Appliances Dining Room

Pet Policy

Bringing a pet? Here's what The Lodge at Hidden River 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

  • $25 Monthly Pet Rent
  • $400 Fee
  • 2 Pet Limit

About The Lodge at Hidden River Apartments

Experience Tampa at its finest at The Lodge at Hidden River: a stunning South Florida apartment community that offers a variety of floor plans, amenities, and an ideal location. Our apartment homes boast hardwood style flooring and plush carpeting, sleek gourmet kitchens with stainless steel appliances, granite countertops, decorative tile backsplashes, wide-open floor plans with expansive 9' foot ceilings, and large windows with plentiful natural light. Outside of your modern home, you can enjoy everything the community offers, including a sparkling swimming pool with an expansive cabana and wide flat screen TV, a pet-friendly play environment, and articulate grounds. With immediate access to I-75 and a great location in a friendly Tampa neighborhood, you get the both of both worlds: the pastoral beauty of South Florida and the chic cosmopolitan allure of the big city. Contact us today to schedule a tour and make The Lodge at Hidden River your new home!

Year Built: 2017
Stories: 3
Total Units: 300
Management: Preferred Apartment Communities
Phone: (786) 847-7922

Other Options Nearby

Still weighing your choices? Other communities in Tampa — compare rent and estimated insurance cost side by side.

Frequently Asked Questions

Does The Lodge at Hidden River Apartments require renters insurance?
We didn't find a public insurance requirement for The Lodge at Hidden River 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 The Lodge at Hidden River Apartments?
For this zip code and building type, expect to pay around $14/month ($172/year). For context, the statewide average is $16/month, so this building is below average.
What will I actually pay per month at The Lodge at Hidden River Apartments?
Plan for $1,522 to $3,707/month all-in. That's base rent ($1,508 – $3,693), plus roughly $14/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does The Lodge at Hidden River Apartments allow pets?
Yes, The Lodge at Hidden River Apartments is pet-friendly. Here are the details: Cats Allowed. $25 Monthly Pet Rent. $400 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 The Lodge at Hidden River 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 package service — features that can qualify for premium discounts.
What floor plans does The Lodge at Hidden River Apartments offer?
There are 4 floor plans to choose from, spanning 1-bedroom, 2-bedroom layouts. Rent ranges from $1,508 – $3,693. Your unit size can affect your insurance cost too — a larger unit typically means more belongings to cover.

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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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