986 Broadway, Chula Vista, CA 91911
Harborside
Monthly Cost Breakdown at Del Oro on Broadway Apartments
The listed rent isn't the whole number. Here's what Del Oro on Broadway Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Del Oro on Broadway Apartments
We found a few insurance details on Del Oro on Broadway Apartments's website. Your lease may have additional requirements — treat these as a starting point.
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 Oro on Broadway 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: 1053/100K (33% below national average)
What You'll Likely Pay
$17
Est. Monthly
$206
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 Oro on Broadway 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
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 Oro on Broadway 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 $15/mo
7 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. Del Oro on Broadway Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Video patrol, Gated, Gated access, Package lockers, Sprinklers, Covered parking) that insurers recognize with discounts.
Source: FBI UCR Program, Chula Vista (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 Oro on Broadway Apartments.
FEMA Zone X (0.2 Pct Annual Chance 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 Oro on Broadway 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.
Parking Fees
Covered
Additional parking available.
Other
Additional parking available.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Del Oro on Broadway 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 Oro on Broadway Apartments
From the property listing:
$1,500 CASH BACK! (all units qualify for this offer with 12 month lease) NOW OFFERING FURNISHED AND UNFURNISHED APARTMENTS! Del Oro on Broadway provides its residents a wide selection of unique one and two-bedroom apartment homes that feature exclusive community and household amenities like soundproof walls, picturesque views, private patios, and stainless steel appliances. Come wiggle your toes in our picturesque pool, stroll through our pet-friendly community with your favorite furry companion, enjoy a cup of coffee in our clubhouse, or have a day out on the town in nearby San Diego.
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
Burkhart Apartments
Harborside
Camelot Apartments
Harborside
Cordova Apartments
Harborside
Greenbrier Apartments
Harborside
Malibu South Apartments
Harborside
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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