San Diego, CA

Citrino Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 17, 2026

Thinking about renting at Citrino Apartments in Mission Valley? Rent here runs $2,750 – $2,995, and renters insurance adds about $15/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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6916 Fulton St, San Diego, CA 92111

Mission Valley

Managed by Sunrise Management Built 2023 3 stories 42 units
3.9/5 ·7 reviews Google
1 review Apt. Finder
$2,750 – $2,995 /month

Monthly Cost Breakdown at Citrino Apartments

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

Total Monthly Cost $2,765 – $3,010
Base Rent $2,750 – $2,995
Est. Renters Insurance $15/mo

Renters Insurance at Citrino Apartments

What Affects Your Premium Here

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

Gated Community

Gated access reduces theft risk — may qualify for security discount

FEMA Flood Zone

Zone X — minimal flood risk

FBI UCR

Property crime rate: 1565/100K (near 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 Citrino Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$50,000 recommended

If you own less

$35,000

If you own more

$75,000

Liability

Covers accidental harm & lawsuits

$100,000 recommended

Standard minimum for most lease requirements in California. Cats present minimal liability risk vs dogs.

How Carriers Compare for This Area

Not all carriers price the same zip code equally. Here's how the major options stack up near Citrino 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 $14/mo

5 discounts may apply here. Real quotes show your actual price — estimates can't.

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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

1,565

per 100K residents

Near U.S. average

U.S. avg is 1,578 per 100K

Breakdown per 100K residents

Burglary
151 / 200
Larceny / theft
1,109 / 1,172
Vehicle theft
306 / 206

U.S. average

Near-average property crime means insurance premiums in San Diego track closely with national baselines. Citrino Apartments also has on-site security features (Gated) 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.

Maintenance Issues Mentioned

On-Site Security

Gated

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Citrino 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 Citrino Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Pets Fees

Pet Deposit

Max of 2. Charged per pet.

$500

Monthly Pet Fee

Max of 2. Charged per pet.

$50 / mo

Amenities

Special Features

Private Balcony/Patio* Large Closets* Stainless-Steel Appliances Central Air Conditioning & Heating Privacy Shades All-electric Kitchen and Range Mounted Hood Microwave Short Term Leasing Available Luxury Wood-Inspired Plank Flooring En-Suite Bathroom in Two-Bedrooms Homes All-Solar Energy Over-sized windows* Recessed Lighting Throughout Garbage disposal In Home Full-Size Stackable Washer & Dryer On-Site Professional Management

Community Features

Clubhouse Courtyard

Floor Plan Amenities

Wi-Fi Washer/Dryer Air Conditioning Heating Cable Ready Storage Space Dishwasher Stainless Steel Appliances Microwave Quartz Countertops Hardwood Floors Office Walk-In Closets Balcony Patio

Pet Policy

Bringing a pet? Here's what Citrino Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.

Cats Allowed
$500 – $500 Deposit
$50 Monthly Pet Rent
2 Pet Limit
50 lb Weight Limit

About Citrino Apartments

Year Built: 2023
Stories: 3 stories
Units: 42
Management: Sunrise Management
Phone: (858) 242-4456

From the property listing:

Welcome to Citrino, a brand-new San Diego community that epitomizes luxury and attention to detail. Immerse yourself in a lifestyle where modern, designer finishes and meticulous craftsmanship create an atmosphere of refined elegance. Our commitment to sustainability shines through our all-solar community, providing a greener future while reducing your carbon footprint. For the environmentally conscious, our EV charging stations make it effortless to power up your electric vehicle.

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.

Frequently Asked Questions

Does Citrino Apartments require renters insurance?
We didn't find a public insurance requirement for Citrino 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 Citrino Apartments?
For this zip code and building type, expect to pay around $15/month ($179/year). Citrino Apartments has security features that qualify for discounts — with those applied, you could pay as little as $14/month. For context, the statewide average is $16/month, so this building is right around average.
What will I actually pay per month at Citrino Apartments?
Plan for $2,765 to $3,010/month all-in. That's base rent ($2,750 – $2,995), plus roughly $15/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Citrino Apartments allow pets?
Yes, Citrino Apartments is pet-friendly. Here are the details: Cats Allowed. $500 – $500 Deposit. $50 Monthly Pet Rent. 2 Pet Limit. 50 lb Weight Limit. Standard renters insurance covers pet-related liability at no extra cost.
How safe is the area around Citrino Apartments?
Property crime in San Diego sits near the national average — 1,565 per 100,000 residents versus 1,578 nationwide. That's the metric insurance carriers care about most for renters coverage, since property crime (theft, burglary, vehicle break-ins) drives most claims. Burglary specifically is 151/100K here. On the property itself, you'll find gated — features that can qualify for premium discounts.
What floor plans does Citrino Apartments offer?
There are 2 floor plans to choose from, spanning 1-bedroom, 2-bedroom layouts. Rent ranges from $2,750 – $2,995. Your unit size can affect your insurance cost too — a larger unit typically means more belongings to cover.

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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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