11325 NW 7th St, Miami, FL 33172
Miami
Monthly Cost Breakdown at 7 West Apartments
The listed rent isn't the whole number. Here's what 7 West Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at 7 West Apartments
What Affects Your Premium Here
Every building is different. These factors specific to 7 West Apartments can push your insurance cost up or down:
Older Building
Built in 1980 — older plumbing/electrical may increase risk
Gated Community
Gated access reduces theft risk — may qualify for security discount
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
Dog-Friendly
Dogs allowed — consider higher liability coverage
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
$196
Est. Annual
$15
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 7 West Apartments 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
Dog-friendly community — higher liability recommended for pet-related incidents
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near 7 West 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 $15/mo
7 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. 7 West Apartments also has on-site security features (Controlled access, Property manager on site, Gated, Gated access, On site maintenance, Perimeter fencing, Alarm ready) 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 7 West 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 7 West Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Trash Services - Hauling
Amount for shared trash/waste services. Charged per unit.
Pest Control Services
Amount for pest control services. Charged per unit.
Utility - Electric - Third Party
Usage-Based (Utilities).Amount for provision and consumptionof electric paid to a third party. Charged per unit. Payable to 3rd Party
Utility - Water/Sewer
Usage-Based (Utilities).Amount for provision and/or consumption of water and sewer services Charged per unit.
Renters Liability Insurance - Third Party
Amount for renters liability insurance obtained through resident's provider of choice. Charged per leaseholder. Payable to 3rd Party
Application Fee
Amount to process application, initiate screening, and take a rental home off the market. Charged per applicant.
Administrative Fee
Amount to facilitate move-in process for a resident. Chargedper unit.
Security Deposit (Refundable)
Amount intended to be held through residency that may be applied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit.
Pets Fees
Pet Fee - Additional Pet
2 pets max; $500 non-refundable fee per pet. $20 pet rent per pet per month. No aggressive breeds.
Pet Fee
Max of 2. Amount to facilitate authorized pet move-in. Charged per pet.
Pet Rent
Max of 1. Monthly amount for authorized pet. Charged per pet
Parking Fees
Parking Fee
Max of 1. Amount for parking space/services. May be subject to availability. Charged per vehicle.
Parking - Vehicle Registration
Max of 1. Amount for authorized vehicle registration. Charged per vehicle. Payable to 3rd Party
Surface Lot
2 spaces max
Situational Fees
Returned Payment Fee (NSF)
Amount for returned payment. Charged per unit.
Access/Lock Change Fee
Amount to change or reprogram access to rental home. Chargedper unit.
Damage Waiver Program
Amount to participate in waiver program in lieu of obtainingliability insurance. Charged per unit.
Lease Violation
Amount for violation of community policies and/or per lease terms. Charged per unit.
Intra-Community Transfer Fee
Amount due when transferring to another rental unit within community. Charged per unit.
Late Fee
Amount for paying after rent due date; per terms of lease. Charged per unit.
Liquidated Damages
Amount for not satisfying the application and/or lease termsCharged per unit.
Early Lease Termination/Cancellation
Amount to terminate lease earlier than lease end date; excludes rent and other charges. Charged per unit.
Legal/Eviction Fees
Amount for legal expenses incurred for lease violations. Charged per unit.
Security Deposit - Additional (Refundable)
Additional amount, based on screening results, intended to be held through residency that may be applied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what 7 West Apartments allows — and keep in mind, if you have a dog, most insurance advisors recommend bumping your liability coverage to at least $300,000. Standard renters policies cover pet-related incidents, but the default $100,000 limit may not be enough if something happens.
About 7 West Apartments
From the property listing:
Discover your new apartment home in Miami, Florida. With a location on NW 7th St., residents can easily connect with a number of points of interest within a few miles. At 7 West Apartments, you'll have access to a variety of amenities and features including newly upgraded kitchens, tile floors, private balconies, and yards and a swimming pool. Attending FIU? 7 West has a CATS stop at the front of property!
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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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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