852 Chalcedony St, Pacific Beach, CA 92109
Pacific Beach
Monthly Cost Breakdown at Elan Beachlofts
The listed rent isn't the whole number. Here's what Elan Beachlofts actually costs each month once you add required fees and insurance.
Renters Insurance at Elan Beachlofts
What Affects Your Premium Here
Every building is different. These factors specific to Elan Beachlofts can push your insurance cost up or down:
Older Building
Built in 1970 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
Dog-Friendly
Dogs allowed — consider higher liability coverage
FEMA Flood Zone
Zone X — minimal flood risk
What You'll Likely Pay
$19
Est. Monthly
$224
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 Elan Beachlofts based on the rent level and building features.
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 Beachlofts:
| 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 $19/mo
4 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 Pacific Beach.
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 Elan Beachlofts.
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 Elan Beachlofts. 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.
Pets Fees
Pet Deposit
Max of 2. Charged per pet.
Monthly Pet Fee
Max of 2. Charged per pet.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Elan Beachlofts allows — and keep in mind, if you have a dog, most insurance advisors recommend bumping your liability coverage to at least $300,000. Standard renters policies cover pet-related incidents, but the default $100,000 limit may not be enough if something happens.
About Elan Beachlofts
From the property listing:
Discover the allure of Elan Beachlofts Apartments, nestled in the vibrant Pacific Beach neighborhood of San Diego, CA. Embrace coastal living in our charming community, where you’ll find beautifully designed one-bedroom apartments that perfectly blend comfort and style. Plus, we proudly welcome your furry friends, making Elan Beachlofts a truly pet-friendly haven. Experience the essence of beachside living today!
Other Options Nearby
Still weighing your choices? Other communities in Pacific Beach — compare rent and estimated insurance cost side by side.
Elan Pacific Lofts
Pacific Beach
10024 Paseo Montril Apartment
Rancho Penasquitos
10062 Paseo Montril Apartment
Rancho Penasquitos
10635 Calle Mar De Mariposa Apartment
North Shore Cities
10742 Caminito Cascara Townhouse
Grantville
10th and Robinson Apartments
Hillcrest
Frequently Asked Questions
Does Elan Beachlofts require renters insurance?
How much is renters insurance at Elan Beachlofts?
What will I actually pay per month at Elan Beachlofts?
Does Elan Beachlofts allow pets?
What floor plans does Elan Beachlofts offer?
Get Renters Insurance for Elan Beachlofts
See how much you could save on renters insurance
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.
SafeButler Inc. strives to ensure that the information on this site is up to date, but we will not be held liable for any delays, inaccuracies, errors, or omissions. This site and all materials contained on it are distributed and provided "as is" and "as available" for use. SafeButler.com makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.