330 S Cedros Ave, Solana Beach, CA 92075
North Shore Cities
Monthly Cost Breakdown at Cedros Gardens Apartments
The listed rent isn't the whole number. Here's what Cedros Gardens Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Cedros Gardens Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Cedros Gardens Apartments can push your insurance cost up or down:
Gated Community
Gated access reduces theft risk — may qualify for security discount
Liability Hazards
6 mentions of slip/fall, trip hazards, or injuries in reviews
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 675/100K (57% below national average)
What You'll Likely Pay
$15
Est. Monthly
$179
Est. Annual
$14
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 Cedros Gardens Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$50,000
If you own more
$100,000
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 Cedros Gardens 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 $14/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 Solana Beach.
Solana Beach 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. Cedros Gardens Apartments also has on-site security features (Gated) that insurers recognize with discounts.
Source: FBI UCR Program, Solana Beach (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 Cedros Gardens 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 Cedros Gardens Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Parking Fees
Covered
1 unassigned spot for 1 bedroom units. 2 unassigned spots for 2 bedroom units.
Amenities
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Cedros Gardens Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Cedros Gardens Apartments
From the property listing:
Tucked into the coastal community of Solana Beach in the famous Cedros Design District, these apartments epitomize luxury living with the charm of a seaside community. This unique 2 bedroom 2bath apartment with a spacious balcony is truly something special, with it's own design and flair. Trash, water, & sewer included.
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Frequently Asked Questions
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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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