12629 El Camino Real, San Diego, CA 92130
North Shore Cities
Monthly Cost Breakdown at Del Mar Ridge Apartments
The listed rent isn't the whole number. Here's what Del Mar Ridge Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Del Mar Ridge Apartments
Del Mar Ridge Apartments's website asks for at least $100,000 in liability coverage, and you'll need to add the property as an interested party on your policy. They list Sure, Kin, Farmers, Assurant on their site, but you're not limited to those — any licensed carrier that meets these minimums will be accepted.
Lease Requirements
* An "interested party" is the property management company listed on your insurance policy. It doesn't give them any claim rights — it just means they get notified if your policy lapses, which is how the leasing office verifies you stay insured.
One thing to watch for: when you purchase your policy, most carriers have a field where you add the property as an interested party — skip that step and your proof may get rejected. It takes 30 seconds during checkout. Start a quote to see which carriers handle this automatically.
What Affects Your Premium Here
Every building is different. These factors specific to Del Mar Ridge Apartments can push your insurance cost up or down:
Gated Community
Gated access reduces theft risk — may qualify for security discount
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
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 Del Mar Ridge Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$35,000
If you own more
$75,000
Liability
Covers accidental harm & lawsuits
Lease minimum
What this community requires
We recommend
Minimum rarely covers an actual lawsuit
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 Del Mar Ridge 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 $15/mo
6 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 San Diego.
San Diego property crime rate
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
U.S. average
Near-average property crime means insurance premiums in San Diego track closely with national baselines. Del Mar Ridge Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Gated, Covered parking) 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.
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 Del Mar Ridge 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 Del Mar Ridge Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Pets Fees
One-Time Pet Fee
Max of 3. Charged per pet.
Pet Deposit
Max of 3. Charged per pet.
Monthly Pet Fee
Max of 3. Charged per pet.
Monthly Pet Fee
Max of 3. Charged per pet.
Parking Fees
Parking Fee
Charged per vehicle.
Surface Lot
Underground Parking
Other
Underground Parking
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Del Mar Ridge Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Del Mar Ridge Apartments
From the property listing:
Del Mar Ridge is conveniently located in the heart of Carmel Valley, putting you within walking distance of nearby shopping and dining. Our community features fantastic finishes, in-home washer and dryers, wood-burning fireplaces and a variety of amenities. Whether you're working out in the state-of-the-art fitness center, catching some rays by our heated swimming pool, or leaving the car in our underground parking garage as you walk to meet friends for dinner, you'll love calling Pet Friendly Del Mar Ridge home.
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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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