Renters Insurance at The Pointe on Westshore Apartments
What Affects Your Premium Here
Every building is different. These factors specific to The Pointe on Westshore 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
Vehicle Crime
2 mentions of car theft, vandalism, or break-ins in reviews
FEMA Flood Zone
Zone AE — High-risk flood area with base flood elevation. Flood insurance strongly recommended.
FBI UCR
Property crime rate: 995/100K (37% below national average)
What You'll Likely Pay
$14
Est. Monthly
$172
Est. Annual
$13
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 Pointe on Westshore 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 Pointe on Westshore 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 $13/mo
6 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 Pointe on Westshore Apartments also has on-site security features (Controlled access, Property manager on site, Concierge, Gated, Gated access, Doorman) 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
Parking
A recurring concern in reviews
“I’ve now been towed twice since living here, and it’s clear that whatever changes they claim to have made are not enough.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
The address sits in a FEMA-mapped flood zone. That's worth flagging up front because flood damage is a known exclusion in nearly every off-the-shelf renters policy. Earthquake risk here is low and severe-weather damage of the wind/hail variety is already covered. The section walks through the flood specifics and what a separate flood policy looks like for renters.
Flood damage
FEMA places this address inside a Special Flood Hazard Area, which is the agency's designation for parts of the country with at least a 1-in-4 chance of flooding over a 30-year mortgage. Standard renters insurance excludes flood damage outright — even small amounts of standing water that ruin a mattress or laptop. Closing the gap requires either an NFIP renters policy (starting around $99 a year) or a private flood policy from carriers like Neptune or Wright Flood.
FEMA Zone AE (Coastal Floodplain) — High-risk flood area with base flood elevation
Flood insurance strongly recommended — standard renters policies exclude flood damage.
What to know about flood insurance as a renter:
- Your landlord's building policy does not cover your belongings
- NFIP (National Flood Insurance Program) offers renters policies starting around $99/year
- Private carriers (Neptune, Wright Flood) may offer lower rates
- Most flood claims in this zone are for personal property, not structural damage
Most flood claims renters file in zones like this one are for personal property — laptops, mattresses, instruments — not structural damage. That's exactly what a renters-targeted flood policy is designed for.
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 0.02g
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
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.
Most renters here add one targeted endorsement to a standard policy. The cost is modest, the benefit is concentrated on the one thing the base policy doesn't reach.
4950 W Prescott St, Tampa, FL 33616
South Tampa
Monthly Cost Breakdown at The Pointe on Westshore Apartments
The listed rent isn't the whole number. Here's what The Pointe on Westshore 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 Pointe on Westshore 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.
Pets Fees
One-Time Pet Fee
Max of 2. Charged per pet.
Monthly Pet Fee
Max of 2. Charged per pet.
Pet Policy
Bringing a pet? Here's what The Pointe on Westshore 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 Pointe on Westshore Apartments
From the property listing:
The Pointe on Westshore apartments brings a new standard of luxury living to Tampa, FL. Featuring spacious 1-, 2-, or 3-bedroom floor plans with panoramic views of Tampa Bay and a long list of world-class amenities. Our premier location provides a vacation-like atmosphere between Downtown Tampa and St. Petersburg. Contact our leasing office to learn more about our pet-friendly apartment community and schedule a tour today!
Frequently Asked Questions
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Disclaimer
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