1241 5th Ave, Chula Vista, CA 91911
Harborside
Monthly Cost Breakdown at Burkhart Apartments
The listed rent isn't the whole number. Here's what Burkhart Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Burkhart Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Burkhart Apartments can push your insurance cost up or down:
Older Building
Built in 1985 — 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: 1053/100K (33% below national average)
What You'll Likely Pay
$20
Est. Monthly
$235
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 Burkhart Apartments 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
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 Burkhart Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $11/mo | $128/yr |
| USAA | $12/mo | $144/yr |
| State Farm | $16/mo | $192/yr |
| Progressive | $17/mo | $208/yr |
| Safeco | $17/mo | $208/yr |
| Travelers | $19/mo | $224/yr |
| Allstate | $20/mo | $240/yr |
| Nationwide | $20/mo | $240/yr |
| Farmers | $21/mo | $256/yr |
| Liberty Mutual | $24/mo | $288/yr |
Discounts You May Qualify For
Next Step
See if you can beat $20/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 Chula Vista.
Chula Vista property crime rate
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
U.S. average
Below-average property crime typically translates to lower renters insurance premiums in this area, and security features on the building can push your rate even lower.
Source: FBI UCR Program, Chula Vista (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 Burkhart 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 Burkhart 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.
Amenities
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Burkhart Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Burkhart Apartments
From the property listing:
Our community features beautifully renovated 1 and 2 bedroom apartment homes, with all white cabinetry and matching white appliances. All of tour apartment homes come with a private patio or balcony, air conditioner and new flooring. Amenities include laundry facility, assigned parking and manager on-site. Close to many shopping centers and schools. When location matters, Burkhart Apartments delivers Easy access to main locations. We are blocks away from Food 4 Less, Walmart, Target, Michael's. Not to mention all of the restaurants and specialty stores right around.
Other Options Nearby
Still weighing your choices? These communities are in the same part of Chula Vista — compare rent and estimated insurance cost side by side.
Alderwood Apartments
Harborside
Camelot Apartments
Harborside
Cordova Apartments
Harborside
Del Oro on Broadway Apartments
Harborside
Greenbrier Apartments
Harborside
Malibu South Apartments
Harborside
Frequently Asked Questions
Does Burkhart Apartments require renters insurance?
How much is renters insurance at Burkhart Apartments?
What will I actually pay per month at Burkhart Apartments?
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What floor plans does Burkhart Apartments offer?
Get Renters Insurance for Burkhart Apartments
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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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