Renters Insurance at The Pearl Apartments
We found a few insurance details on the The Pearl Apartments 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 Pearl Apartments can push your insurance cost up or down:
Open Access
No gated or controlled access — higher theft exposure
Vehicle Crime
3 mentions of car theft, vandalism, or break-ins in reviews
Security System Issues
1 mention 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
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 Pearl 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
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 Pearl 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
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.
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
“Huge shoutout to the maintenance team here at The Pearl!” — Google reviewer
Parking
A recurring concern in reviews
“So when someone arrives late there are no parking spots and you are then expected to park in the visitors risking getting towed although paying for a parking spot in the garage.” — Google reviewer
Natural Hazards & Your Renters Coverage
At The Pearl Apartments, 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 (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
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.
2110 N Ola Ave, Tampa, FL 33602
Downtown Tampa
Monthly Cost Breakdown at The Pearl Apartments
The listed rent isn't the whole number. Here's what The Pearl 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 Pearl Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Cable TV and Internet Services
Amount for cable and internet services in rental home. Charg ed per unit.
Trash Services - Doorstep
Amount for doorstep trash removal from rental home. Charged per unit.
Utility - Billing Administrative Fee
Amount to manage utility services billing. Charged per unit.
Utility - Water/Sewer
Usage-Based (Utilities).Amount for provision and/or consumpt ion of water and sewer services Charged per unit.
Utility - Electric - Third Party
Usage-Based (Utilities).Amount for provision and consumption of electric paid to a third party. Charged per unit. Payable to 3rd Party
Administrative Fee
Amount to facilitate move-in process for a resident. Charged per 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 app lied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit.
Pets Fees
One-Time Pet Fee
Max of 2. Charged per pet.
Monthly Pet Fee
Max of 2. Charged per pet.
Pet Fee
Max of 2. Amount to facilitate authorized pet move-in. Charg ed per pet.
Pet Rent
Max of 2. Monthly amount for authorized pet. Charged per pet
Pet Management - Third Party
Max of 1. Amount for authorized pet registration and screeni ng services. Charged per pet. Payable to 3rd Party
Optional Add-On Fees
Cleaning Services
Amount for cleaning services. Charged per unit.
Common Area/Clubhouse Rental
Amount to rent a shared common area space, including clubhou se. May be subject to availability. Charged per unit.
Guest Suite Rental
Amount to rent guest suite; per night. May be subject to ava ilability. Charged per night.
Cable TV Services - Upgrade
Amount to upgrade cable services in rental home. Charged per unit. Payable to 3rd Party
Utility - Stormwater/Drainage
Usage-Based (Utilities).Amount for provision of storm water services. Charged per unit.
Situational Fees
Express Move Out
Amount for community to perform rental home cleaning upon mo ve-out. Charged per unit.
Security Deposit - Additional (Refundable)
Additional amount, based on screening results, intended to b e held through residency that may be applied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit.
Positive Credit Reporting Services
Amount to send positive payment history to credit reporting agency(ies); per person. Charged per leaseholder. Payable to 3rd Party
Resident Change Fee
Amount to process a change in leaseholder during lease term. Charged per unit.
Late Fee
Amount for paying after rent due date; per terms of lease. Charged per unit.
Lease Violation
Amount for violation of community policies and/or per lease terms. Charged per unit.
Access/Lock Change Fee
Amount to change or reprogram access to rental home. Charged per unit.
Appliance Repair
Amount to repair an appliance beyond normal wear and tear. C harged per unit.
Utility - Vacant Processing Fee
Amount for failing to transfer utilities into resident name. Charged per unit.
Intra-Community Transfer Fee
Amount due when transferring to another rental unit within c ommunity. 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 terms Charged per unit.
Early Lease Termination/Cancellation
Amount to terminate lease earlier than lease end date; exclu des rent and other charges. Charged per unit.
Legal/Eviction Fees
Amount for legal expenses incurred for lease violations. Cha rged per unit.
Utility - Vacant Cost Recovery
Usage-Based (Utilities).Amount for utility usage not transfe rred to resident responsibility any time during occupancy. Charged per unit.
Pet Policy
Bringing a pet? Here's what The Pearl 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 Pearl Apartments
From the property listing:
Centered in one of the most historically rich neighborhoods in Tampa, THE PEARL encompasses everything great about living in the Heights: the Tampa Riverwalk, Armature Works (including Heights Public Market and signature restaurants) as well as boutique shopping, indie coffee shops, biking, kayaking, and, yes, even easy access to Pirate Water Taxi. In short, eclectic, sustainable living right to your front door.
Frequently Asked Questions
Does The Pearl Apartments require renters insurance?
How much is renters insurance at The Pearl Apartments?
What will I actually pay per month at The Pearl Apartments?
Does The Pearl Apartments allow pets?
How safe is the area around The Pearl Apartments?
What floor plans does The Pearl Apartments offer?
Is SafeButler affiliated with The Pearl Apartments?
What is SafeButler and how does it work for The Pearl Apartments renters?
Real quotes · under a minute
Ready to lock down coverage at The Pearl Apartments?
I'll line up top carriers side by side — pre-filled for this building so the proof of insurance is one click away.
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.
SafeButler Inc. strives to ensure that the information on this site is up to date, but we will not be held liable for any delays, inaccuracies, errors, or omissions. This site and all materials contained on it are distributed and provided "as is" and "as available" for use. SafeButler.com makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.