4350 W Kennedy Blvd, Tampa, FL 33609
Beach Park
Monthly Cost Breakdown at Westshore Palms at Kennedy Apartments
The listed rent isn't the whole number. Here's what Westshore Palms at Kennedy Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Westshore Palms at Kennedy Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Westshore Palms at Kennedy Apartments can push your insurance cost up or down:
Older Building
Built in 1967 — 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: 995/100K (37% below national average)
What You'll Likely Pay
$18
Est. Monthly
$215
Est. Annual
$16
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 Westshore Palms at Kennedy 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
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 Westshore Palms at Kennedy 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
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. Westshore Palms at Kennedy Apartments also has on-site security features (Controlled access, Property manager on site, Gated) 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 Westshore Palms at Kennedy Apartments.
FEMA Zone X (0.2 Pct Annual Chance Flood Hazard In Coastal Zone) — 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 Westshore Palms at Kennedy 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.
Parking Fees
Parking Deposit
Charged per vehicle.
Parking Fee
Charged per vehicle.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Westshore Palms at Kennedy 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 Westshore Palms at Kennedy Apartments
From the property listing:
Nestled on a scenic peninsula between Old Tampa Bay and Hillsborough Bay, South Tampa is one of the city’s most sought-after destinations. Stretching from West Kennedy Boulevard to MacDill Air Force Base, this vibrant area is home to some of Tampa’s most desirable neighborhoods, including Hyde Park, Bayshore Beautiful, Palma Ceia, Davis Islands, and South Westshore. Westshore Palms at Kennedy does participate in the Military Rental Partnership Program (RPP). South Tampa is celebrated for its upscale shopping and dining, lively nightlife, top-rated schools, and breathtaking bayfront views.
Other Options Nearby
Still weighing your choices? Other communities in Tampa — compare rent and estimated insurance cost side by side.
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1003 E 19th Ave
10053 Lake Oak Cir Townhouse
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10056 Montague St Apartment
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10056 Montague St Apartment
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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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