3866 Ingraham St, San Diego, CA 92109
San Diego
Renters Insurance at Bay Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Bay Apartments can push your insurance cost up or down:
Older Building
Built in 1968 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
Theft Reports
5 mentions in Google reviews
Package Theft
1 mentions in Google reviews
Security System Issues
2 mentions of broken gates, cameras, or locks in reviews
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
$224
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 Bay Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$10,000
If you own more
$25,000
Liability
Covers accidental harm & lawsuits
Pool on premises — higher liability recommended for accidents at shared amenities
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Bay 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
Next Step
See if you can beat $19/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. Bay Apartments also has on-site security features (Property manager on site) 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 Bay 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 Bay 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.
Pets Fees
Dog Rent
Charged per pet.
Cat Rent
Charged per pet.
Parking Fees
Parking Fee
Max of 1. Charged per vehicle.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Bay Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Bay Apartments
From the property listing:
Coastal living feels elevated at Bay Apartments in Pacific Beach, where modern interiors meet resort inspired community amenities. Residents enjoy a heated 25 yard swimming pool, two oversized Jacuzzis, tennis and basketball courts, fitness and cardio rooms, a theater room, business center, clubhouse with free Wi Fi, saunas, courtyards, and onsite laundry. Inside each home, youll find spacious floor plans, stainless steel appliances in select units, quartz countertops, large closets, heating and air conditioning, and private patios or balconies.
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
San Diego
AMLI Aero Apartments
San Diego
Apex Mission Valley Apartments
San Diego
Ariel Apartments
San Diego
AVA Pacific Beach Apartments
San Diego
Casas by the Sea Apartments
San Diego
Frequently Asked Questions
Does Bay Apartments require renters insurance?
How much is renters insurance at Bay Apartments?
Does Bay Apartments allow pets?
How safe is the area around Bay Apartments?
What floor plans does Bay 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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