8485 Hammocks Blvd, Miami, FL 33196
The Hammocks
Monthly Cost Breakdown at Bell Kendall West Apartments
The listed rent isn't the whole number. Here's what Bell Kendall West Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Bell Kendall West Apartments
We found a few insurance details on Bell Kendall West Apartments's 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 Bell Kendall West Apartments can push your insurance cost up or down:
Open Access
No gated or controlled access — higher theft exposure
Dog-Friendly
Dogs allowed — consider higher liability coverage
FEMA Flood Zone
Zone AH — High-risk shallow flooding (1-3 ft). Flood insurance strongly recommended.
FBI UCR
Property crime rate: 2477/100K (57% above national average)
What You'll Likely Pay
$14
Est. Monthly
$168
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 Bell Kendall West 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
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 Bell Kendall West Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $8/mo | $96/yr |
| USAA | $9/mo | $108/yr |
| State Farm | $12/mo | $144/yr |
| Progressive | $13/mo | $156/yr |
| Safeco | $13/mo | $156/yr |
| Travelers | $14/mo | $168/yr |
| Allstate | $15/mo | $180/yr |
| Nationwide | $15/mo | $180/yr |
| Farmers | $16/mo | $192/yr |
| Liberty Mutual | $18/mo | $216/yr |
Discounts You May Qualify For
Next Step
See if you can beat $14/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. Bell Kendall West Apartments also has on-site security features (Property manager on site, 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 Bell Kendall West Apartments.
FEMA Zone AH — High-risk shallow flooding (1-3 ft)
Flood insurance strongly recommended — even shallow flooding can destroy personal property.
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 Bell Kendall West Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Valet Trash
Charged per unit.
Pest Control
Charged per unit.
Stormwater Utility
Charged per unit.
Electric Utility
Charged per unit. Payable to 3rd Party
Water Utility
Charged per unit.
Utility Management Service Fee
Charged per unit.
Application Fee
Charged per applicant.
Administrative Fee
Charged per unit.
Key/Fob Activation
Charged per unit.
Security Deposit
Charged per unit.
Pets Fees
Pet Fee
Pet Fee and Pet Rent are per pet.
Pet Rent
Max of 2. Charged per pet.
Parking Fees
Parking Fee
Charged per vehicle.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Bell Kendall 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 Bell Kendall West Apartments
From the property listing:
Escape every day to a carefree retreat on the water in Kendall West. With tranquil walking trails in our community and Kendall Green Park next door, theres plenty of inspiration to get outside and enjoy the fresh air. Cool off in our shimmering swimming pool, a resort-style oasis with circular daybeds, gas barbecue grills and a TVplus plenty of lounge chairs for everyone. Youll also find a fantastic fitness center and spin studio with virtual classes, and a grassy dog park right by the water.
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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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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