402 Arbor Dr, San Diego, CA 92103
Hillcrest
Monthly Cost Breakdown at 402 Arbor Dr Apartments
The listed rent isn't the whole number. Here's what 402 Arbor Dr Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at 402 Arbor Dr Apartments
What Affects Your Premium Here
Every building is different. These factors specific to 402 Arbor Dr Apartments can push your insurance cost up or down:
Older Building
Built in 1930 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 1565/100K (near national average)
What You'll Likely Pay
$20
Est. Monthly
$235
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 402 Arbor Dr 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
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 402 Arbor Dr Apartments:
| 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
Next Step
See if you can beat $20/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 San Diego.
San Diego property crime rate
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
U.S. average
Near-average property crime means insurance premiums in San Diego track closely with national baselines.
Source: FBI UCR Program, San Diego (2024-12 to 2025-11)
Flood Risk
Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for 402 Arbor Dr 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 402 Arbor Dr Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Parking Fees
Surface Lot
Parking Available
Amenities
Special Features
Floor Plan Amenities
About 402 Arbor Dr Apartments
From the property listing:
Welcome to 4th & Arbor Apartments—where modern living meets ultimate comfort in the vibrant heart of Hillcrest! Our newly constructed units offer a perfect blend of style and convenience, featuring in-unit washer and dryer, stainless steel appliances, walk-in tile showers, and air conditioning. Located just steps away from a wide selection of restaurants, entertainment venues, and all the perks of city living, 4th & Arbor Apartments provide the ideal base for both work and play.
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
1st & Penn Apts - 1penn
Hillcrest
3550 Park Apartments
Hillcrest
8th and U Apartments
Hillcrest
Antone Apartments
Hillcrest
Arbor Crest on Fourth Apartments
Hillcrest
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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