1015-1095 19th St, San Diego, CA 92102
Golden Hill
Monthly Cost Breakdown at Golden Pacific Apartments
The listed rent isn't the whole number. Here's what Golden Pacific Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Golden Pacific Apartments
We found a few insurance details on Golden Pacific Apartments's website. Your lease may have additional requirements — treat these as a starting point.
Lease Requirements
* An "interested party" is the property management company listed on your insurance policy. It doesn't give them any claim rights — it just means they get notified if your policy lapses, which is how the leasing office verifies you stay insured.
One thing to watch for: when you purchase your policy, most carriers have a field where you add the property as an interested party — skip that step and your proof may get rejected. It takes 30 seconds during checkout. Start a quote to see which carriers handle this automatically.
What Affects Your Premium Here
Every building is different. These factors specific to Golden Pacific Apartments can push your insurance cost up or down:
Older Building
Built in 1988 — older plumbing/electrical may increase risk
Gated Community
Gated access reduces theft risk — may qualify for security discount
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 1565/100K (near national average)
What You'll Likely Pay
$20
Est. Monthly
$246
Est. Annual
$19
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 Golden Pacific Apartments 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
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 Golden Pacific 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 $19/mo
6 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. Golden Pacific Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Gated, Gated access, Covered parking) 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 Golden Pacific 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 Golden Pacific 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.
Amenities
Special Features
Community Features
Floor Plan Amenities
About Golden Pacific Apartments
From the property listing:
Golden Pacific is a vibrant, metropolitan community offering an exceptional urban lifestyle in the historic neighborhood of Golden Hill in San Diego. This area is full of history and charm, with mission architecture and sweeping views from Cortez Hill to the Coronado Bridge. Golden Pacific is close to everything, from parks and grocery stores to restaurants and shops. We offer townhomes with private dual master suites as well as spacious one- and two-bedroom apartment homes. All homes come with a full-size washer and dryer, private balconies, air conditioning, and controlled access parking.
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.
2855-2865 A St San Diego, CA 92102 Apartments
Golden Hill
Bridgeview Apartments
Golden Hill
Estudios de Stanson Apartments
Golden Hill
Golden Glen Apartments
Golden Hill
South Park Place Apartments
Golden Hill
The Irving Apartments
Golden Hill
Frequently Asked Questions
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What will I actually pay per month at Golden Pacific 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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