5155-5158 Luigi Ter, San Diego, CA 92122
University City
Monthly Cost Breakdown at Elan Terraza La Jolla Apartments
The listed rent isn't the whole number. Here's what Elan Terraza La Jolla Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Elan Terraza La Jolla Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Elan Terraza La Jolla Apartments can push your insurance cost up or down:
Older Building
Built in 1986 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
Dog-Friendly
Dogs allowed — consider higher liability coverage
Water/Leak Issues
4 mentions in Google reviews
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 1565/100K (near national average)
What You'll Likely Pay
$17
Est. Monthly
$205
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 Terraza La Jolla 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
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 Terraza La Jolla 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 $17/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 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. Elan Terraza La Jolla Apartments also has on-site security features (Covered parking, On site maintenance) 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 Elan Terraza La Jolla 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 Elan Terraza La Jolla 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.
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.
Surface Lot
Covered Parking and Assigned Surface Lot Parking Available. Please call us regarding our Parking Policy.
Street Parking
Covered Parking and Assigned Surface Lot Parking Available. Please call us regarding our Parking Policy.
Covered
Covered Parking and Assigned Surface Lot Parking Available. Please call us regarding our Parking Policy.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Elan Terraza La Jolla Apartments 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 Terraza La Jolla Apartments
From the property listing:
Discover the charm of Elan Terraza Apartments in beautiful La Jolla, CA—a vibrant coastal living community nestled in sunny San Diego. Our thoughtfully designed one-bedroom and two-bedroom apartments offer the perfect blend of comfort and style. Plus, we proudly welcome your furry friends in our pet-friendly community. Experience the ideal coastal lifestyle at Elan Terraza, where your dream home awaits!
Other Options Nearby
Still weighing your choices? These communities are in the same part of San Diego — compare rent and estimated insurance cost side by side.
4060 Porte La Paz Condo
University City
Avia La Jolla Apartments
University City
Axiom La Jolla Apartments
University City
Canyon Park Apartments
University City
Casa Aldea at University City Village Apartments
University City
Costa Verde Village Apartments
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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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