Bonita, CA

Bonita Heights Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 17, 2026

Thinking about renting at Bonita Heights Apartments in Bonita North? Rent here runs From $2,295, and renters insurance adds about $17/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

Get Renters Insurance for Bonita Heights Apartments

Compare renters insurance quotes in seconds


5151 Robinwood Rd, Bonita, CA 91902

Bonita North

Built 1987 2 stories 70 units
4.6/5 ·24 reviews Google
Apt. Finder
From $2,295 /month

Monthly Cost Breakdown at Bonita Heights Apartments

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

Total Monthly Cost $2,312
Base Rent $2,295
Est. Renters Insurance $17/mo

Renters Insurance at Bonita Heights Apartments

What Affects Your Premium Here

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

Older Building

Built in 1987 — older plumbing/electrical may increase risk

Gated Community

Gated access reduces theft risk — may qualify for security discount

FEMA Flood Zone

Zone X — minimal flood risk

AreaVibes

Crime grade: A

What You'll Likely Pay

$17

Est. Monthly

$205

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 Bonita Heights 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

$300,000 recommended

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

Next Step

See if you can beat $16/mo

5 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 Bonita.

A

Area Crime Grade

Detailed FBI property-crime data isn't available for Bonita in the latest reporting cycle, so we're showing the AreaVibes neighborhood grade as a general signal. Bonita Heights Apartments has on-site security features (Property manager on site, Gated, Gated access, Covered parking) that insurers recognize with premium discounts.

On-Site Security

Property manager on site Gated Gated access Covered parking

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Bonita Heights 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 Bonita Heights 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.

$40

Parking Fees

Parking Fee

Max of 1. Charged per vehicle.

Free

Amenities

Special Features

Assigned Covered Parking Coin Op Laundry Community Pool & Spa Gated Community New Flooring New Paint Plank Flooring Refinished Countertops

Community Features

Laundry Facilities Walk-Up Pool

Floor Plan Amenities

High Speed Internet Access Air Conditioning Heating Ceiling Fans Smoke Free Cable Ready Storage Space Fireplace Wheelchair Accessible (Rooms) Dishwasher Disposal Stainless Steel Appliances Refrigerator Carpet Vinyl Flooring Balcony Patio

About Bonita Heights Apartments

Year Built: 1987
Stories: 2 stories
Units: 70
Phone: (858) 264-3394

From the property listing:

Bonita Heights Apartments is an upscale community located on Robinwood Road in Bonita. Our gated community offers outstanding views of the rolling hills of Bonita Heights, a resort-like pool and spa, two laundry rooms, and covered parking. We offer easy access to the I-805 and 54 freeways for activities and a smooth commute to any part of San Diego. Call now to schedule a tour!

Other Options Nearby

Still weighing your choices? Other communities in Bonita — compare rent and estimated insurance cost side by side.

Frequently Asked Questions

Does Bonita Heights Apartments require renters insurance?
We didn't find a public insurance requirement for Bonita Heights 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 Bonita Heights Apartments?
For this zip code and building type, expect to pay around $17/month ($205/year). Bonita Heights Apartments has security features that qualify for discounts — with those applied, you could pay as little as $16/month. For context, the statewide average is $16/month, so this building is right around average.
What will I actually pay per month at Bonita Heights Apartments?
Plan for about $2,312/month all-in. That's base rent (From $2,295), plus roughly $17/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 Bonita Heights Apartments?
The area scores well — a A crime grade. On the property itself, you'll find property manager on site, gated, gated access, covered parking — features that can also qualify you for insurance discounts.
What floor plans does Bonita Heights Apartments offer?
There is 1 floor plan available, a 2-bedroom layout. Rent ranges from From $2,295. Your unit size can affect your insurance cost too — a larger unit typically means more belongings to cover.

Get Renters Insurance for Bonita Heights Apartments

See how much you could save on renters insurance

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.

SafeButler Inc. strives to ensure that the information on this site is up to date, but we will not be held liable for any delays, inaccuracies, errors, or omissions. This site and all materials contained on it are distributed and provided "as is" and "as available" for use. SafeButler.com makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.

Your privacy

We use cookies to run this site, measure how it's used, and support our advertising. See our Privacy Policy for details.