11542 SW 148th Path, Miami, FL 33196
The Hammocks
Monthly Cost Breakdown at 11542 SW 148th Path Townhouse
The listed rent isn't the whole number. Here's what 11542 SW 148th Path Townhouse actually costs each month once you add required fees and insurance.
Renters Insurance at 11542 SW 148th Path Townhouse
What Affects Your Premium Here
Every building is different. These factors specific to 11542 SW 148th Path Townhouse can push your insurance cost up or down:
Open Access
No gated or controlled access — higher theft exposure
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 2477/100K (57% above national average)
What You'll Likely Pay
$16
Est. Monthly
$187
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 11542 SW 148th Path Townhouse based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$35,000
If you own more
$75,000
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 11542 SW 148th Path Townhouse:
| 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
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 Miami.
Miami property crime rate
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
U.S. average
Higher-than-average property crime is why insurance carriers charge more in this zip code — your premium reflects the claims frequency for the area. 11542 SW 148th Path Townhouse also has on-site security features (Covered parking, Perimeter fencing) that insurers recognize with discounts.
Source: FBI UCR Program, Miami (2024-12 to 2025-11)
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 11542 SW 148th Path Townhouse.
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.
Amenities
Community Features
Floor Plan Amenities
About 11542 SW 148th Path Townhouse
From the property listing:
Spacious 4BR townhouse in desirable Hammocks community (Kendall, Miami). Features 1-car garage, private fenced patio, freshly painted interior, and renovated kitchen with modern finishes. Bright and functional layout with generous bedrooms. Just steps from Hammocks Lake with scenic walking paths and sunset views. Community amenities include pool and sports facilities. Conveniently located near shopping, schools, and major roadways. Move-in ready!
Other Options Nearby
Still weighing your choices? These communities are in the same part of Miami — compare rent and estimated insurance cost side by side.
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16534 SW 97th Terrace Rental
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Altis Kendall Square Apartments
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Bell Kendall West Apartments
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Casa Vera Apartments
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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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