San Diego, CA

AMLI Aero Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 17, 2026

Thinking about renting at AMLI Aero Apartments in San Diego? Rent here runs $2,770 – $6,763, and renters insurance adds about $14/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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3585 Aero Ct, San Diego, CA 92123

San Diego

Managed by Morgan Stanley & Co. LLC Built 2025 7 stories 442 units
4.6/5 ·60 reviews Google
5/5 ·4 reviews Apt. Finder
$2,770 – $6,763 /month

Monthly Cost Breakdown at AMLI Aero Apartments

The listed rent isn't the whole number. Here's what AMLI Aero Apartments actually costs each month once you add required fees and insurance.

Total Monthly Cost $2,862 – $6,855
Base Rent $2,770 – $6,763
Required Monthly Fees $78
Est. Renters Insurance $14/mo

Renters Insurance at AMLI Aero Apartments

AMLI Aero Apartments's website asks for at least $300,000 in liability coverage, and you'll need to add the property as an interested party on your policy. They list Kin on their site, but you're not limited to those — any licensed carrier that meets these minimums will be accepted.

Lease Requirements

Liability $300,000
Interested party* Add property to policy
Listed carriers
Kin
See how your options compare. Get a quote

* 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.

In AMLI Aero Apartments's own words:

"Yes, we require that all residents carry a minimum of $300,000 in personal liability coverage.  We’ve partnered with Get Covered Insurance to provide affordable coverage options, including pet health and identity theft protection, and we also accept valid proof of renter’s insurance from a variety of insurance carriers."

What Affects Your Premium Here

Every building is different. These factors specific to AMLI Aero 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

Dog-Friendly

Dogs allowed — consider higher liability coverage

FEMA Flood Zone

Zone X — minimal flood risk

FBI UCR

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

What You'll Likely Pay

$14

Est. Monthly

$170

Est. Annual

$13

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 AMLI Aero Apartments 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

Lease minimum

What this community requires

$300,000

We recommend

Minimum rarely covers an actual lawsuit

$300,000

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 AMLI Aero 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

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

Next Step

See if you can beat $13/mo

6 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. AMLI Aero Apartments also has on-site security features (Package service, Controlled access, Gated) that insurers recognize with discounts.

Source: FBI UCR Program, San Diego (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.

Maintenance Issues Common topic

On-Site Security

Package service Controlled access Gated

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for AMLI Aero 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 AMLI Aero Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Utility Billing Service Fee

Charged per unit.

$4.45 / mo

Wi-Fi Internet Service

Charged per unit.

$60 / mo

Utility Billing

Monthly utility billing methodology will be outlined in lease agreement. Any additional questions regarding billing please contact our onsite team. Charged per unit.

Varies / mo

Application Fee

Charged per applicant.

$45

Pets Fees

Monthly Pet Rent

Charged per pet.

$50 / mo

Parking Fees

Parking

Charged per vehicle.

$100 - $300 / mo

Amenities

Special Features

Co-working With Private,rentable Offices Designed for LEED Gold® certification Ev-charging With Level 2 Chargers Extra Large Walk-in Closets Glass-framed showers and/or tubs with floor-to-ceiling tile surrounds Golf, Foosball, Pool, Shuffleboard Gourmet kitchens with ENERGY STAR® Samsung appliances Hiit Inspired Indoor/outdoor Fitness Managed Wi-Fi connectivity in apartments and throughout community Two designer interior finish options Two Rooftop Decks & 24-ft Jumbotron Tv Two-story, live/work apartment floorplans Unique two-story, top floor apartments with two balconies offering scenic views

Community Features

Wi-Fi Pet Care Pet Play Area Pet Washing Station Car Charging Station Elevator Business Center Clubhouse Roof Terrace Sundeck Cabana Courtyard Grill Fitness Center Pool Bicycle Storage Golf Course

Floor Plan Amenities

Wi-Fi Washer/Dryer Air Conditioning Ceiling Fans Dishwasher Kitchen Quartz Countertops Office Walk-In Closets Balcony Patio Deck

Pet Policy

Bringing a pet? Here's what AMLI Aero 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.

Cats and Dogs Allowed
$50 Monthly Pet Rent
2 Pet Limit

About AMLI Aero Apartments

Year Built: 2025
Stories: 7 stories
Units: 442
Management: Morgan Stanley & Co. LLC
Phone: (858) 264-2145

From the property listing:

At AMLI Aero, life flows effortlessly between connection and calm. Step outside our San Diego apartments to the flavors of the Convoy District, along with quick access to the shopping and restaurants scenes in nearby Mission Valley. Step inside to a retreat where style meets function: airy layouts with stunning views, quartz countertops, contemporary wood cabinetry, and premium stainless appliances create a backdrop that's as beautiful as it is livable.

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.

Frequently Asked Questions

Does AMLI Aero Apartments require renters insurance?
We found specific coverage details on AMLI Aero Apartments's website — these likely reflect lease requirements, but confirm with the leasing office. 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 AMLI Aero Apartments?
For this zip code and building type, expect to pay around $14/month ($170/year). AMLI Aero Apartments has security features that qualify for discounts — with those applied, you could pay as little as $13/month. For context, the statewide average is $16/month, so this building is below average.
What will I actually pay per month at AMLI Aero Apartments?
Plan for $2,862 to $6,855/month all-in. That's base rent ($2,770 – $6,763), plus $78/month in required fees (trash, utilities, etc.), plus roughly $14/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does AMLI Aero Apartments allow pets?
Yes, AMLI Aero Apartments is pet-friendly. Here are the details: Cats and Dogs Allowed. $50 Monthly Pet Rent. 2 Pet Limit. If you have a pet, keep in mind that most renters insurance policies cover pet liability — but you may want to increase your liability limit, especially for larger breeds.
How safe is the area around AMLI Aero Apartments?
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 package service, controlled access, gated — features that can qualify for premium discounts.
What floor plans does AMLI Aero Apartments offer?
There are 40 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom, studio layouts. Rent ranges from $2,770 – $6,763. 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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