Costa Verde Village Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 17, 2026

Thinking about renting at Costa Verde Village Apartments in University City? Rent here runs $2,550 – $4,185, and renters insurance adds about $16/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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8720 Costa Verde Blvd, San Diego, CA 92122

University City

Managed by Garden Communities California Built 1998 4 stories 1263 units
4.5/5 ·928 reviews Google
5/5 ·11 reviews Apt. Finder
$2,550 – $4,185 /month

Monthly Cost Breakdown at Costa Verde Village Apartments

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

Total Monthly Cost $2,566 – $4,201
Base Rent $2,550 – $4,185
Est. Renters Insurance $16/mo

Renters Insurance at Costa Verde Village Apartments

What Affects Your Premium Here

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

Open Access

No gated or controlled access — higher theft exposure

FEMA Flood Zone

Zone X — minimal flood risk

FBI UCR

Property crime rate: 1565/100K (near national average)

What You'll Likely Pay

$16

Est. Monthly

$195

Est. Annual

$15

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 Costa Verde Village 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

$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 Costa Verde Village 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

Sprinkler system
-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 $15/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. Costa Verde Village Apartments also has on-site security features (Package service, Property manager on site, Package lockers, Sprinklers, Covered parking, On site maintenance) 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 Common topic
4×

On-Site Security

Package service Property manager on site Package lockers Sprinklers Covered parking On site maintenance

Flood Risk

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

$50

Parking Fees

Parking Fee

Max of 1. Charged per vehicle.

Free

Garage Lot

One Bedroom - 1 Space Two Bedrooms - 2 Spaces Three Bedrooms- 2 Spaces

Amenities

Special Features

BBQ & Picnic area Courtesy patrol and parking monitoring Vaulted Ceilings - In Select Units Fireplace - In Select Units Icemakers in select units Kitchen pantries WE PROUDLY OFFER a Non- smoking community Easy Access to I-5 and I-805 freeways Furniture Rentals Located near shopping, beaches, schools & dining Mirrored wardrobe doors Onsite Leasing Office Professional management office open daily Amazon Hub And Parcel Pending Lockers Assigned Parking Elevator access Full size washer and dryer Indoor and outdoor movie theaters Playground Space 24 Hour Maintenance dispatch service Lofts / Vaulted ceiling Private patios or balconies Billiards Business Center With Printer Controlled Central Air & Heat Motion Fitness Outdoor Classes Neutral color palette Outdoor Amphitheater Resident Services Generous closet, linen & storage space

Community Features

Wi-Fi Maintenance on site Recycling Online Services Planned Social Activities Public Transportation Elevator Business Center Clubhouse Multi Use Room Disposal Chutes Courtyard Grill Picnic Area Fitness Center Pool Playground Media Center/Movie Theatre Private Bathroom Shuttle To Campus Study Lounge Walk To Campus

Floor Plan Amenities

High Speed Internet Access Washer/Dryer Air Conditioning Heating Smoke Free Cable Ready Tub/Shower Fireplace Sprinkler System Wheelchair Accessible (Rooms) Dishwasher Disposal Ice Maker Kitchen Microwave Oven Range Refrigerator Freezer Carpet Vinyl Flooring Dining Room Family Room Office Vaulted Ceiling Loft Layout Window Coverings Large Bedrooms Balcony Patio

About Costa Verde Village Apartments

Year Built: 1998
Stories: 4 stories
Units: 1263
Management: Garden Communities California
Phone: (858) 768-8092

From the property listing:

Costa Verde Village Apartments in UTC, San Diego Welcome to Costa Verde Village, where style and comfort come together in a community designed for modern living. Our apartments in UTC, San Diego offer you a perfect balance between a peaceful retreat and the vibrant energy of the city. With thoughtfully curated amenities, convenient services, and a prime location, you can enjoy the best of both relaxation and connection right outside your door. As a resident of our UTC, San Diego apartments, you will enjoy more than just a place to live.

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.

4060 Porte La Paz Condo

University City

$3,995 Ins: ~$16/mo

Avia La Jolla Apartments

University City

$3,778 - $4,582 Ins: ~$15/mo

Axiom La Jolla Apartments

University City

$2,526 - $3,936 Ins: ~$17/mo

Canyon Park Apartments

University City

$2,222 - $3,950 Ins: ~$17/mo

Casa Aldea at University City Village Apartments

University City

$2,195 - $3,740 Ins: ~$16/mo

Elan Terraza La Jolla Apartments

University City

$2,945 - $3,095 Ins: ~$17/mo

Frequently Asked Questions

Does Costa Verde Village Apartments require renters insurance?
We didn't find a public insurance requirement for Costa Verde Village 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 Costa Verde Village Apartments?
For this zip code and building type, expect to pay around $16/month ($195/year). Costa Verde Village Apartments has security features that qualify for discounts — with those applied, you could pay as little as $15/month. For context, the statewide average is $16/month, so this building is right around average.
What will I actually pay per month at Costa Verde Village Apartments?
Plan for $2,566 to $4,201/month all-in. That's base rent ($2,550 – $4,185), plus roughly $16/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 Costa Verde Village 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 package service, property manager on site, package lockers, sprinklers — features that can qualify for premium discounts.
What floor plans does Costa Verde Village Apartments offer?
There are 13 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom, studio layouts. Rent ranges from $2,550 – $4,185. 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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