701-745 W Beech St, San Diego, CA 92101
San Diego
Monthly Cost Breakdown at Ariel Apartments
The listed rent isn't the whole number. Here's what Ariel Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Ariel Apartments
We found a few insurance details on Ariel Apartments's website. Your lease may have additional requirements — treat these as a starting point.
Lease Requirements
* 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 Ariel Apartments's own words:
"• Supply On-Site with proof of any incorrect or incomplete information."
"On-Site is committed to accuracy and will investigate any information you dispute. Contact our Renter Relations team at 1-877-222-0384. If you provide proof of your claim, we will promptly make appropriate adjustments. Download the form on our site for details."
What Affects Your Premium Here
Every building is different. These factors specific to Ariel 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
$19
Est. Monthly
$222
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 Ariel Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$35,000
If you own more
$75,000
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 Ariel Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $11/mo | $134/yr |
| USAA | $13/mo | $150/yr |
| State Farm | $17/mo | $201/yr |
| Progressive | $18/mo | $217/yr |
| Safeco | $18/mo | $217/yr |
| Travelers | $20/mo | $234/yr |
| Allstate | $21/mo | $251/yr |
| Nationwide | $21/mo | $251/yr |
| Farmers | $22/mo | $267/yr |
| Liberty Mutual | $25/mo | $301/yr |
Discounts You May Qualify For
Next Step
See if you can beat $16/mo
7 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. Ariel Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Concierge, Gated, Doorman, Sprinklers) 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.
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 Ariel 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 Ariel 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.
Parking Fees
Garage Lot
$140 - Non Reserved $225- Reserved
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Ariel 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 Ariel Apartments
From the property listing:
Ariel, a luxury high rise community located in Little Italy with breathtaking water & city views, is steps away from shops, restaurants, and the San Diego harbor. State-of-the-art amenities include an infinity pool, spa, fitness center, barbecue area, and fire pits.
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.
4th Avenue Apartments
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Apex Mission Valley Apartments
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AVA Pacific Beach Apartments
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Bay Apartments
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Casas by the Sea Apartments
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Frequently Asked Questions
Does Ariel Apartments require renters insurance?
How much is renters insurance at Ariel Apartments?
What will I actually pay per month at Ariel Apartments?
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What floor plans does Ariel Apartments offer?
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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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