12401 W Hillsborough Ave, Tampa, FL 33635
West Tampa
Monthly Cost Breakdown at Veranda at Westchase Apartments
The listed rent isn't the whole number. Here's what Veranda at Westchase Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Veranda at Westchase Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Veranda at Westchase Apartments can push your insurance cost up or down:
Open Access
No gated or controlled access — higher theft exposure
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
$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 Veranda at Westchase Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$20,000
If you own more
$50,000
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 Veranda at Westchase 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
Next Step
See if you can beat $16/mo
5 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
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. Veranda at Westchase Apartments also has on-site security features (Package service, Property manager on site, 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.
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 Veranda at Westchase Apartments.
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
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 Veranda at Westchase Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Parking Fees
Street Parking
Parking is first come first serve.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Veranda at Westchase Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
- Pet policies are negotiable.
About Veranda at Westchase Apartments
Veranda at Westchase Apartment Homes in Tampa, FL invites you to live life on your own terms. These 1, 2, & 3 bedroom Tampa apartments are situated perfectly between Bayport West and Oldsmar, bringing the best of Tampa right to your doorstep. Throughout this pet-friendly community you'll find a host of resident amenities including our resort-style pool and spa, outdoor barbecue grills, turf soccer field, fenced off-leash dog park, and 40 acres of natural wetland preserve. You may never leave home again. Veranda at Westchase: great Tampa apartments, great service, and the amenities you deserve - with plenty of excellent restaurants and world-class shopping in your neighborhood. All at a location that's exactly right, exactly where you want to be. Enjoy the life of luxury at Veranda at Westchase Apartment Homes.
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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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