The Verdict · La Jolla, CA
$2,261–$2,461
real monthly · incl. fees + insurance
3★
2 Google reviews
No major red flags
worth watching
A mixed-reviewed community where the real cost runs ~$66 over sticker, and there's no standout hazard to plan around.
Looking for renters insurance?
About $16/mo here — the one thing worth sorting before you sign.
What Residents Say
The honest version — the good and the bad, straight from recent Google reviews of Elan Beachcomber La Jolla Apartments.
“BEWARE. Ladies, be VERY careful if you are considering moving here. There is a threatening man living in the apartment laundry room / in the alley (behind Brick and Bell). He stares into the windows and harasses residents and has (presumably) destroyed property (laundry room, storage area), as he i…”
What reviews flag most
Mined from 1 recent review · 2 total on Google. Longer bars mean the topic comes up more often — this is a read on what gets mentioned, not a summary of every review.
On security, the review consensus is a recurring concern in reviews — one resident wrote: “I’ve lived in the La Jolla Shores area since 2010, but the past 2 years have been considerably worse for theft (just for me: 3 car break ins, 2 surfboards stolen and multiple…”.
8115 El Paseo Grande, La Jolla, CA 92037
La Jolla Shores
What Elan Beachcomber La Jolla Apartments Really Costs
The sticker rent isn't the whole number. Here's what Elan Beachcomber La Jolla Apartments actually costs each month once required fees, pet rent, and insurance are in — the number the listing sites leave off.
Renters insurance adds ~$16/mo to that total — compare quotes →
Fees Beyond Rent
The additional charges beyond base rent at Elan Beachcomber La Jolla Apartments. Some are monthly, some one-time — all of them shape your real cost of living here.
Required Fees
Application Fee Per Applicant
Charged per applicant.
Pets Fees
Pet Deposit
Max of 2. Charged per pet.
Monthly Pet Fee
Max of 2. Charged per pet.
Parking Fees
Parking Deposit
Charged per vehicle.
Covered
Please call us regarding our Parking Policy.
Natural Hazards to Plan For
The USGS National Seismic Hazard Model rates the ground beneath Elan Beachcomber La Jolla Apartments as high-hazard for shaking — significant enough that a separate earthquake endorsement is worth pricing alongside a standard renters policy. Flood risk at the address is low, and severe-weather damage of the wind/hail variety would be covered by a baseline policy. The earthquake-specific picture is below.
Flood damage
This address is in one of FEMA's lower flood-risk classifications. Standard renters policies don't cover flood damage anywhere, but in low-risk zones the cost of a separate NFIP policy generally isn't justified by the expected loss. The detail is below mostly for completeness.
Source · FEMA NFHL
FEMA Zone X (minimal flood hazard) — Minimal flood risk
Flood insurance optional but inexpensive in this zone.
Zones can change — verify at FEMA Flood Map Service
Earthquake shaking
At this hazard level, the question isn't whether a damaging earthquake is possible — it's how to handle the fact that a standard renters policy excludes the damage if one happens. Earthquake endorsements priced for renters typically run $50–$150 annually and cover personal property only (no structural coverage; that's already the landlord's responsibility).
Source · USGS NSHM
High seismic hazard · ground motion 0.79g
A renters earthquake endorsement covers personal property only and runs roughly $50–$150 a year — structural damage is the landlord's responsibility.
Ground motion at ~2% probability over 50 years — the building-code reference level
Severe weather you'd actually claim for
Severe-weather activity in San Diego County is at the low end. Standard renters insurance already covers wind and hail damage to your stuff, so the data below is more context than coverage gap.
Source · NOAA Storm Events · 5-yr averages for San Diego County
The standard renters policy is the right starting point. The gap above is closable with a single endorsement; pricing it as part of a bundled quote is the usual move.
Renters Insurance at Elan Beachcomber La Jolla Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Elan Beachcomber La Jolla Apartments can push your insurance cost up or down:
Older Building
Built in 1954 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
Dog-Friendly
Dogs allowed — consider higher liability coverage
Theft Reports
2 mentions in Google reviews
FEMA Flood Zone
Zone X — minimal flood risk
What You'll Likely Pay
$16
Est. monthly
$191
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 (furniture, electronics, clothes), and liability coverage, which protects you if someone gets hurt in your unit or you damage someone else's property. Here's what we'd recommend for Elan Beachcomber La Jolla Apartments based on the rent level and building.
Personal Property
What your stuff is worth
If you own less
$25,000
If you own more
$60,000
Liability
Covers accidental harm & lawsuits
Dog-friendly community — higher liability recommended for pet-related incidents
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Elan Beachcomber La Jolla Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $8/mo | $95/yr |
| USAA | $9/mo | $107/yr |
| State Farm | $12/mo | $142/yr |
| Progressive | $13/mo | $154/yr |
| Safeco | $13/mo | $154/yr |
| Travelers | $14/mo | $166/yr |
| Allstate | $15/mo | $178/yr |
| Nationwide | $15/mo | $178/yr |
| Farmers | $16/mo | $189/yr |
| Liberty Mutual | $18/mo | $213/yr |
Discounts You May Qualify For
Next step
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Pet Policy
Bringing a pet? Here's what Elan Beachcomber La Jolla Apartments allows, along with the deposits and monthly pet rent to budget for.
About Elan Beachcomber La Jolla Apartments
From the property listing:
Discover the charm of Elan Beachcomber Apartments in beautiful La Jolla, CA. This inviting pet-friendly community in San Diego offers stylish studio apartments, perfect for enhancing your coastal lifestyle. Experience the ideal blend of comfort and community in a location that truly feels like home.
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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