San Diego, CA

East Windmill Villa Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 17, 2026

Thinking about renting at East Windmill Villa Apartments? Renters insurance here runs about $16/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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2275 W Victoria Dr, Alpine, CA 91901

5/5 ·2 reviews Google

Renters Insurance at East Windmill Villa Apartments

What Affects Your Premium Here

Every building is different. These factors specific to East Windmill Villa 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

What You'll Likely Pay

$16

Est. Monthly

$195

Est. Annual

$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 East Windmill Villa Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$15,000 recommended

If you own less

$10,000

If you own more

$25,000

Liability

Covers accidental harm & lawsuits

$100,000 recommended

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 East Windmill Villa 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

Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $16/mo

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

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Flood Risk

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

Other Options Nearby

Still weighing your choices? Other communities in San Diego — compare rent and estimated insurance cost side by side.

Frequently Asked Questions

Does East Windmill Villa Apartments require renters insurance?
We didn't find a public insurance requirement for East Windmill Villa 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 East Windmill Villa Apartments?
For this zip code and building type, expect to pay around $16/month ($195/year). For context, the statewide average is $16/month, so this building is right around average.

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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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