700 E 22nd St, National City, CA 91950
National City
Monthly Cost Breakdown at Essex Manor Apartments
The listed rent isn't the whole number. Here's what Essex Manor Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Essex Manor Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Essex Manor Apartments can push your insurance cost up or down:
Older Building
Built in 1972 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
Identity Theft Concerns
1 mentions in reviews (mail tampering, fraud, personal info)
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 1792/100K (14% above national average)
What You'll Likely Pay
$22
Est. Monthly
$269
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 Essex Manor Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$20,000
If you own more
$50,000
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 Essex Manor Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $11/mo | $134/yr |
| USAA | $13/mo | $150/yr |
| State Farm | $17/mo | $201/yr |
| Progressive | $18/mo | $217/yr |
| Safeco | $18/mo | $217/yr |
| Travelers | $20/mo | $234/yr |
| Allstate | $21/mo | $251/yr |
| Nationwide | $21/mo | $251/yr |
| Farmers | $22/mo | $267/yr |
| Liberty Mutual | $25/mo | $301/yr |
Discounts You May Qualify For
Next Step
See if you can beat $22/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 National City.
National City 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 National City track closely with national baselines. Essex Manor Apartments also has on-site security features (Property manager on site) that insurers recognize with discounts.
Source: FBI UCR Program, National City (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 Essex Manor 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 Essex Manor 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
Parking Fee
Max of 1. Charged per vehicle.
Amenities
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Essex Manor Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Essex Manor Apartments
From the property listing:
Essex Manor Apartments is ready to be your home. The 700 E. 22nd St. location in National City's 91950 area has much to offer its residents. The team of leasing professionals is ready for you to visit. Make a visit to see the current floorplan options. Drop by to find out the current floorplan availability.
Other Options Nearby
Still weighing your choices? These communities are in the same part of National City — compare rent and estimated insurance cost side by side.
12th Street Lofts
National City
611 Highland Apartments
National City
Bayview Tower Condominiums
National City
Bella Vita Apartments
National City
Granada Terrace Apartments
National City
Mar at Laurel Apartments
National City
Frequently Asked Questions
Does Essex Manor Apartments require renters insurance?
How much is renters insurance at Essex Manor Apartments?
What will I actually pay per month at Essex Manor Apartments?
Does Essex Manor Apartments allow pets?
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What floor plans does Essex Manor Apartments offer?
Get Renters Insurance for Essex Manor Apartments
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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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