San Diego, CA

Estudios de Stanson Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 17, 2026

Thinking about renting at Estudios de Stanson Apartments in Golden Hill? Rent here runs $1,850 – $1,975, and renters insurance adds about $22/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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1133-1137 27th St, San Diego, CA 92102

Golden Hill

Managed by a.m. Management Built 1917 3 stories 14 units
Apt. Finder
$1,850 – $1,975 /month

Monthly Cost Breakdown at Estudios de Stanson Apartments

The listed rent isn't the whole number. Here's what Estudios de Stanson Apartments actually costs each month once you add required fees and insurance.

Total Monthly Cost $1,872 – $1,997
Base Rent $1,850 – $1,975
Est. Renters Insurance $22/mo

Renters Insurance at Estudios de Stanson Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Estudios de Stanson Apartments can push your insurance cost up or down:

Older Building

Built in 1917 — older plumbing/electrical may increase risk

Gated Community

Gated access reduces theft risk — may qualify for security discount

FEMA Flood Zone

Zone X — minimal flood risk

FBI UCR

Property crime rate: 1565/100K (near national average)

What You'll Likely Pay

$22

Est. Monthly

$269

Est. Annual

$21

With Discounts/mo

$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 Estudios de Stanson Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$40,000 recommended

If you own less

$25,000

If you own more

$60,000

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 Estudios de Stanson 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

Gated community
-5%
Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $21/mo

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

Compare Quotes Free · No account required

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

1,565

per 100K residents

Near U.S. average

U.S. avg is 1,578 per 100K

Breakdown per 100K residents

Burglary
151 / 200
Larceny / theft
1,109 / 1,172
Vehicle theft
306 / 206

U.S. average

Near-average property crime means insurance premiums in San Diego track closely with national baselines. Estudios de Stanson Apartments also has on-site security features (Gated, Gated access) that insurers recognize with discounts.

Source: FBI UCR Program, San Diego (2024-12 to 2025-11)

On-Site Security

Gated Gated access

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Estudios de Stanson 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 Estudios de Stanson Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Security Deposit - Refundable

Charged per unit.

$1,500

Pets Fees

One-Time Pet Fee

Max of 2. Charged per pet.

Free

Pet Deposit

Max of 2. Charged per pet.

Free

Monthly Pet Fee

Max of 2. Charged per pet.

$45 / mo

Parking Fees

Parking Fee

Charged per vehicle.

Free

Parking Fee

Max of 7. Charged per vehicle.

$75 / mo

Surface Lot

7 rental spots available

Amenities

Community Features

Wi-Fi Laundry Facilities 24 Hour Access Furnished Units Available Trash Pickup - Curbside Recycling Public Transportation Storage Space Vintage Building Bicycle Storage Walking/Biking Trails Gas Range Individual Locking Bedrooms Individual Leases Available

Floor Plan Amenities

High Speed Internet Access Wi-Fi Heating Smoke Free Tub/Shower Dishwasher Disposal Ice Maker Granite Countertops Stainless Steel Appliances Pantry Kitchen Microwave Oven Range Refrigerator Freezer Coffee System Hardwood Floors High Ceilings Walk-In Closets Furnished Double Pane Windows Large Bedrooms Patio Deck

Pet Policy

Bringing a pet? Here's what Estudios de Stanson Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.

Pet policies are negotiable.

About Estudios de Stanson Apartments

Year Built: 1917
Stories: 3 stories
Units: 14
Management: a.m. Management
Phone: (619) 391-1794

From the property listing:

Located at 1133 27th St (corner of B St), this property offers well-designed layouts with and modern conveniences. Select units come fully furnished, providing a hassle-free move-in experience. Enjoy essential amenities like storage space and on-site laundry facilities, adding to the practicality of daily living. Situated in a gated community, this residence ensures both privacy and security with a keypad-controlled entrance and dedicated parking. Designed for comfort and functionality, the living space is inviting, while the bathroom features standard fixtures for everyday convenience.

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.

Frequently Asked Questions

Does Estudios de Stanson Apartments require renters insurance?
We didn't find a public insurance requirement for Estudios de Stanson 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 Estudios de Stanson Apartments?
For this zip code and building type, expect to pay around $22/month ($269/year). Estudios de Stanson Apartments has security features that qualify for discounts — with those applied, you could pay as little as $21/month. For context, the statewide average is $16/month, so this building is above average.
What will I actually pay per month at Estudios de Stanson Apartments?
Plan for $1,872 to $1,997/month all-in. That's base rent ($1,850 – $1,975), plus roughly $22/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Estudios de Stanson Apartments allow pets?
Pet policies at Estudios de Stanson Apartments are handled on a case-by-case basis — contact the leasing office for details.
How safe is the area around Estudios de Stanson Apartments?
Property crime in San Diego sits near the national average — 1,565 per 100,000 residents versus 1,578 nationwide. That's the metric insurance carriers care about most for renters coverage, since property crime (theft, burglary, vehicle break-ins) drives most claims. Burglary specifically is 151/100K here. On the property itself, you'll find gated, gated access — features that can qualify for premium discounts.
What floor plans does Estudios de Stanson Apartments offer?
There is 1 floor plan available, a studio layout. Rent ranges from $1,850 – $1,975. Your unit size can affect your insurance cost too — a larger unit typically means more belongings to cover.

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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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