6159 Montezuma Rd, San Diego, CA 92115
East County
Monthly Cost Breakdown at Aztec Lofts
The listed rent isn't the whole number. Here's what Aztec Lofts actually costs each month once you add required fees and insurance.
Renters Insurance at Aztec Lofts
What Affects Your Premium Here
Every building is different. These factors specific to Aztec Lofts can push your insurance cost up or down:
Older Building
Built in 1952 — older plumbing/electrical may increase risk
Gated Community
Gated access reduces theft risk — may qualify for security discount
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
$21
Est. Monthly
$247
Est. Annual
$20
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 Aztec Lofts 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
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 Aztec Lofts:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $10/mo | $123/yr |
| USAA | $11/mo | $138/yr |
| State Farm | $15/mo | $184/yr |
| Progressive | $17/mo | $199/yr |
| Safeco | $17/mo | $199/yr |
| Travelers | $18/mo | $215/yr |
| Allstate | $19/mo | $230/yr |
| Nationwide | $19/mo | $230/yr |
| Farmers | $20/mo | $245/yr |
| Liberty Mutual | $23/mo | $276/yr |
Discounts You May Qualify For
Next Step
See if you can beat $20/mo
5 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. Aztec Lofts also has on-site security features (Gated) that insurers recognize with discounts.
Source: FBI UCR Program, San Diego (2024-12 to 2025-11)
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 Aztec Lofts.
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 Aztec Lofts. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Application Fee Per Applicant
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Aztec Lofts 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 Aztec Lofts
From the property listing:
Aztec Lofts offers a unique living experience just steps away from San Diego State University. The property is located in a great neighborhood and offers a diverse mix of old and new. Enjoy being close to parks and schools, along with excellent shopping and dining. Our apartment homes offer one- and two-bedroom options with open floor plans, vaulted ceilings, gas stoves, and newly updated cabinets. Enjoy access to the swimming pool and the convenience of an onsite laundry center. With great amenities and an ideal location, this is the perfect place to call home.
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.
64 Forty Apartments
East County
6nineteen Apartments
East County
Adagio Apartments
East County
Array La Mesa Apartments
East County
Atlas Alvarado Apartments
East County
Auburn 2019 Apartments
East County
Frequently Asked Questions
Does Aztec Lofts require renters insurance?
How much is renters insurance at Aztec Lofts?
What will I actually pay per month at Aztec Lofts?
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What floor plans does Aztec Lofts offer?
Get Renters Insurance for Aztec Lofts
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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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