1st & Penn Apts - 1penn: Renters Insurance Guide & What It Actually Costs

Last updated Apr 17, 2026

Thinking about renting at 1st & Penn Apts - 1penn in Hillcrest? Rent here runs $2,895 – $3,295, and renters insurance adds about $17/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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3677 First Ave, San Diego, CA 92103

Hillcrest

Built 1993 4 stories 34 units
5/5 ·3 reviews Google
Apt. Finder
$2,895 – $3,295 /month

Monthly Cost Breakdown at 1st & Penn Apts - 1penn

The listed rent isn't the whole number. Here's what 1st & Penn Apts - 1penn actually costs each month once you add required fees and insurance.

Total Monthly Cost $2,912 – $3,312
Base Rent $2,895 – $3,295
Est. Renters Insurance $17/mo

Renters Insurance at 1st & Penn Apts - 1penn

What Affects Your Premium Here

Every building is different. These factors specific to 1st & Penn Apts - 1penn can push your insurance cost up or down:

Gated Community

Gated access reduces theft risk — may qualify for security discount

FEMA Flood Zone

Zone X — minimal flood risk

FBI UCR

Property crime rate: 1565/100K (near national average)

What You'll Likely Pay

$17

Est. Monthly

$204

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 1st & Penn Apts - 1penn based on the rent level and building features.

Personal Property

What your stuff is worth

$50,000 recommended

If you own less

$35,000

If you own more

$75,000

Liability

Covers accidental harm & lawsuits

$100,000 recommended

Standard minimum for most lease requirements in California

How Carriers Compare for This Area

Not all carriers price the same zip code equally. Here's how the major options stack up near 1st & Penn Apts - 1penn:

Carrier Monthly Annual
Lemonade $10/mo $117/yr
USAA $11/mo $132/yr
State Farm $15/mo $176/yr
Progressive $16/mo $190/yr
Safeco $16/mo $190/yr
Travelers $17/mo $205/yr
Allstate $18/mo $219/yr
Nationwide $18/mo $219/yr
Farmers $20/mo $234/yr
Liberty Mutual $22/mo $263/yr

Discounts You May Qualify For

Gated community
-5%
Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $16/mo

5 discounts may apply here. Real quotes show your actual price — estimates can't.

Compare Quotes Free · No account required

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 San Diego.

San Diego property crime rate

1,565

per 100K residents

Near U.S. average

U.S. avg is 1,578 per 100K

Breakdown per 100K residents

Burglary
151 / 200
Larceny / theft
1,109 / 1,172
Vehicle theft
306 / 206

U.S. average

Near-average property crime means insurance premiums in San Diego track closely with national baselines. 1st & Penn Apts - 1penn also has on-site security features (Gated access, Covered parking) that insurers recognize with discounts.

Source: FBI UCR Program, San Diego (2024-12 to 2025-11)

On-Site Security

Gated access Covered parking

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for 1st & Penn Apts - 1penn.

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 1st & Penn Apts - 1penn. 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.

$35

Amenity Fee

Charged per unit.

Other

Charged per unit.

Pets Fees

Pet Deposit

Max of 2. Charged per pet.

$200

Monthly Pet Fee

Max of 2. Charged per pet.

$35 / mo

Parking Fees

Garage Lot

Underground parking.

Covered

Parking Available

Amenities

Special Features

gated parking non-smoking spacious closets amazing location custom cabinets new vanities trash chutes on each floor modern fixtures non-smoking. On-Site Management spacious closet all kitchen appliances stainless steel Dogs Welcome stackable washer/dryer in unit 7 camera security system Custom Cabinetry fully remodeled Gated community underground parking elevator. new stainless steel appliances ceiling fan none recessed lighting recycling bin Third foor

Community Features

Furnished Units Available Recycling Elevator Disposal Chutes

Floor Plan Amenities

Air Conditioning Security System Fireplace Stainless Steel Appliances Kitchen Furnished Balcony Patio

Pet Policy

Bringing a pet? Here's what 1st & Penn Apts - 1penn allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.

Birds, Fish, and Reptiles Allowed
$200 – $200 Deposit
5 Pet Limit
$35 Monthly Pet Rent
40 lb Weight Limit
2 Pet Limit

About 1st & Penn Apts - 1penn

Year Built: 1993
Stories: 4 stories
Units: 34
Phone: (858) 766-2072

From the property listing:

Beautifully remodeled 2bdrm/2bth - Gorgeous 2/2 - fully re-modeled recently - with a BACKYARD!! 974 sq ft, vinyl faux wood laminate throughout, w/d in unit, fireplace, assigned garage parking (one to start, 2nd at no charge when available), recessed lighting throughout, beautiful stone counter-tops in kitchen and bath, lots of storage, this is a must see!! Currently occupied, so showings by appt only. We do have permission to show Saturday, Jan 5th from 12p - 4p - after that if still available please call to set up times.

Other Options Nearby

Still weighing your choices? These communities are in the same part of San Diego — compare rent and estimated insurance cost side by side.

10th and Robinson Apartments

Hillcrest

$1,995 - $3,995 Ins: ~$15/mo

3550 Park Apartments

Hillcrest

$2,345 - $2,525 Ins: ~$20/mo

402 Arbor Dr Apartments

Hillcrest

$2,195 - $2,395 Ins: ~$20/mo

8th and U Apartments

Hillcrest

$2,250 - $2,995 Ins: ~$15/mo

Antone Apartments

Hillcrest

$2,095 Ins: ~$20/mo

Arbor Crest on Fourth Apartments

Hillcrest

$2,248 - $2,898 Ins: ~$15/mo

Frequently Asked Questions

Does 1st & Penn Apts - 1penn require renters insurance?
We didn't find a public insurance requirement for 1st & Penn Apts - 1penn, but that doesn't mean there isn't one. Many communities add the requirement during lease signing. It's worth asking the leasing office directly — and even if it's not required, a policy typically runs under $20/month and covers you against theft, fire, and liability.
How much is renters insurance at 1st & Penn Apts - 1penn?
For this zip code and building type, expect to pay around $17/month ($204/year). 1st & Penn Apts - 1penn has security features that qualify for discounts — with those applied, you could pay as little as $16/month. For context, the statewide average is $16/month, so this building is right around average.
What will I actually pay per month at 1st & Penn Apts - 1penn?
Plan for $2,912 to $3,312/month all-in. That's base rent ($2,895 – $3,295), plus roughly $17/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does 1st & Penn Apts - 1penn allow pets?
Yes, 1st & Penn Apts - 1penn is pet-friendly. Here are the details: Birds, Fish, and Reptiles Allowed. $200 – $200 Deposit. 5 Pet Limit. $35 Monthly Pet Rent. 40 lb Weight Limit. 2 Pet Limit. Standard renters insurance covers pet-related liability at no extra cost.
How safe is the area around 1st & Penn Apts - 1penn?
Property crime in San Diego sits near the national average — 1,565 per 100,000 residents versus 1,578 nationwide. That's the metric insurance carriers care about most for renters coverage, since property crime (theft, burglary, vehicle break-ins) drives most claims. Burglary specifically is 151/100K here. On the property itself, you'll find gated access, covered parking — features that can qualify for premium discounts.
What floor plans does 1st & Penn Apts - 1penn offer?
There is 1 floor plan available, a 2-bedroom layout. Rent ranges from $2,895 – $3,295. Your unit size can affect your insurance cost too — a larger unit typically means more belongings to cover.

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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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