San Diego, CA

Auburn 2019 Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 17, 2026

Thinking about renting at Auburn 2019 Apartments in East County? Rent here runs From $1,975, and renters insurance adds about $20/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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4960-4970 Auburn Dr, San Diego, CA 92105

East County

Built 1986 2 stories 45 units
5/5 ·1 review Google
Apt. Finder
From $1,975 /month

Monthly Cost Breakdown at Auburn 2019 Apartments

The listed rent isn't the whole number. Here's what Auburn 2019 Apartments actually costs each month once you add required fees and insurance.

Total Monthly Cost $1,995
Base Rent $1,975
Est. Renters Insurance $20/mo

Renters Insurance at Auburn 2019 Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Auburn 2019 Apartments can push your insurance cost up or down:

Older Building

Built in 1986 — 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

$246

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 Auburn 2019 Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$40,000 recommended

If you own less

$25,000

If you own more

$60,000

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 Auburn 2019 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

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

Next Step

See if you can beat $20/mo

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

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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.

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 Auburn 2019 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 Auburn 2019 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.

$30

Amenities

Special Features

Water/Sewer/Trash

About Auburn 2019 Apartments

Year Built: 1986
Stories: 2 stories
Units: 45
Phone: (858) 293-5289

From the property listing:

Come enjoy San Diego living at 4960-4970 Auburn Drive. This property is situated on Auburn Dr in the Fox Canyon area of San Diego. The leasing team is excited to help you find your dream apartment. Stop looking and get moving. Contact or stop by 4960-4970 Auburn Drive to see available floor plans!

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 Auburn 2019 Apartments require renters insurance?
We didn't find a public insurance requirement for Auburn 2019 Apartments, 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 Auburn 2019 Apartments?
For this zip code and building type, expect to pay around $20/month ($246/year). For context, the statewide average is $16/month, so this building is above average.
What will I actually pay per month at Auburn 2019 Apartments?
Plan for about $1,995/month all-in. That's base rent (From $1,975), plus roughly $20/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
How safe is the area around Auburn 2019 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.
What floor plans does Auburn 2019 Apartments offer?
There is 1 floor plan available, a 2-bedroom layout. Rent ranges from From $1,975. 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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