Renters Insurance at Elevate Long Beach Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Elevate Long Beach Apartments can push your insurance cost up or down:
Gated Community
Gated access reduces theft risk — may qualify for security discount
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 2623/100K (66% above national average)
What You'll Likely Pay
$16
Est. Monthly
$195
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 Elevate Long Beach 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
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 Elevate Long Beach Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $9/mo | $111/yr |
| USAA | $10/mo | $125/yr |
| State Farm | $14/mo | $167/yr |
| Progressive | $15/mo | $181/yr |
| Safeco | $15/mo | $181/yr |
| Travelers | $16/mo | $195/yr |
| Allstate | $17/mo | $209/yr |
| Nationwide | $17/mo | $209/yr |
| Farmers | $19/mo | $223/yr |
| Liberty Mutual | $21/mo | $251/yr |
Discounts You May Qualify For
Next Step
See if you can beat $15/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 Long Beach.
Long Beach 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. Elevate Long Beach Apartments also has on-site security features (Controlled access, Gated, Doorman, Covered parking) that insurers recognize with discounts.
Source: FBI UCR Program, Long Beach (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.
What residents talk about most
Management
Consistently positive in reviews
“What really sets him apart is his dedication and willingness to go above and beyond.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
The USGS National Seismic Hazard Model rates the ground beneath Elevate Long Beach Apartments as high-hazard for shaking — significant enough that a separate earthquake endorsement is worth pricing alongside a standard renters policy. Flood risk at the address is low, and severe-weather damage of the wind/hail variety would be covered by a baseline policy. The earthquake-specific picture is below.
Flood damage
This address is in one of FEMA's lower flood-risk classifications. Standard renters policies don't cover flood damage anywhere, but in low-risk zones the cost of a separate NFIP policy generally isn't justified by the expected loss. The detail is below mostly for completeness.
FEMA Zone X (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.
Earthquake shaking
At this hazard level, the question isn't whether a damaging earthquake is possible — it's how to handle the fact that a standard renters policy excludes the damage if one happens. Earthquake endorsements priced for renters typically run $50–$150 annually and cover personal property only (no structural coverage; that's already the landlord's responsibility).
High seismic hazard · ground motion 0.92g
A renters earthquake endorsement covers personal property only and runs roughly $50–$150 a year — structural damage is the landlord's responsibility.
Hazard data from USGS National Seismic Hazard Model. The ground-motion figure is the level USGS expects to be exceeded with about 2% probability over a 50-year horizon — the standard reference used in building codes.
Severe weather you'd actually claim for
Severe-weather activity in Los Angeles County is at the low end. Standard renters insurance already covers wind and hail damage to your stuff, so the data below is more context than coverage gap.
Source: NOAA Storm Events Database, annual averages from the past five years for Los Angeles County. Counts reflect reported events, not damage amounts.
The standard renters policy is the right starting point. The gap above is closable with a single endorsement; pricing it as part of a bundled quote is the usual move.
225 W 3rd St, Long Beach, CA 90802
Downtown Long Beach
Monthly Cost Breakdown at Elevate Long Beach Apartments
The listed rent isn't the whole number. Here's what Elevate Long Beach Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Elevate Long Beach Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Utility - Billing Administrative Fee
Amount to manage utility services billing. Charged per unit.
Hot Water Energy
Usage-Based (Utilities).Amount for energy to heat water and/ or central system services delivered to the building and/or rental home. Charged per unit.
Utility - Water
Usage-Based (Utilities).Amount for provision and consumption of water Charged per unit.
Utility - Sewer
Usage-Based (Utilities).Amount for provision of sewer servic es. Charged per unit.
Trash Services - CA
Usage-Based (Utilities).Trash services provided only in Cali fornia. Charged per unit.
Utility - Electric - Third Party
Usage-Based (Utilities).Amount for provision and consumption of electric paid to a third party. Charged per unit. Payable to 3rd Party
Utility - Natural Gas - Third Party
Usage-Based (Utilities).Amount for provision and consumption of natural gas paid to a third party. Charged per unit. Payable to 3rd Party
Renters Liability Insurance - Third Party
Amount for renters liability insurance obtained through resi dent's provider of choice. Charged per leaseholder. Payable to 3rd Party
Pest Control Services
Amount for pest control services. Charged per unit.
Holding Deposit (Refundable)
Amount to hold rental home off the market at time of applica tion. Amount applied to security deposit and/or amounts owed upon application approval. Refundable per terms of application. Charged per unit.
Application Fee
Amount to process application, initiate screening, and take a rental home off the market. Charged per applicant.
Security Deposit (Refundable)
Amount intended to be held through residency that may be app lied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit.
Pets Fees
Pet Deposit (Refundable)
| Restrictions: Rottweiler, doberman pinscher, pit bull terr ier, staffordshire terrier, chow, presa canarias, akita, alaskan malamute, wolf hyrbid or any mix thereof.
Parking Fees
Parking Fee
Max of 1. Amount for garage parking space/services. May be s ubject to availability. Charged per rentable item.
Parking Fee
Max of 1. Amount for tandem parking space/services. May be subject to availability. Charged per rentable item.
Optional Add-On Fees
Pet Fee
Amount to facilitate authorized pet move-in. Charged per pet
Common Area/Clubhouse Rental
Amount to rent a shared common area space, including clubhou se. May be subject to availability. Charged per unit.
Situational Fees
Security Deposit - Additional (Refundable)
Additional amount, based on screening results, intended to b e held through residency that may be applied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit.
Early Lease Termination/Cancellation
Amount to terminate lease earlier than lease end date; exclu des rent and other charges. Charged per unit.
Damage Waiver Program
Amount to participate in waiver program in lieu of obtaining liability insurance. Charged per unit.
Access Device - Replacement
Amount to obtain a replacement access device for community; fobs, keys, remotes, access passes. Charged per unit.
Returned Payment Fee (NSF)
Amount for returned payment. Charged per unit.
Late Fee
Amount for paying after rent due date; per terms of lease. Charged per unit.
Utility - Vacant Processing Fee
Amount for failing to transfer utilities into resident name. Charged per unit.
Positive Credit Reporting Services
Amount to send positive payment history to credit reporting agency(ies); per person. Charged per leaseholder. Payable to 3rd Party
Utility - Vacant Cost Recovery
Usage-Based (Utilities).Amount for utility usage not transfe rred to resident responsibility any time during occupancy. Charged per unit.
About Elevate Long Beach Apartments
From the property listing:
Greystar California, Inc. dba Greystar Corp. License No. 1525765 Broker: Gerard S. Donohue License No. 01265072
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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