9054-9096 Gramercy Dr, San Diego, CA 92123
Serra Mesa
Monthly Cost Breakdown at Gramercy Apartments
The listed rent isn't the whole number. Here's what Gramercy Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Gramercy Apartments
We found a few insurance details on Gramercy 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 Gramercy Apartments can push your insurance cost up or down:
Older Building
Built in 1979 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 1565/100K (near national average)
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 Gramercy 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
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 Gramercy 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 $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 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. Gramercy Apartments also has on-site security features (Property manager on site, Concierge, Video patrol, Doorman) 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 Gramercy 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 Gramercy Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Application Fee Per Applicant
FEES ARE WAIVED FROM NOW THROUGH 10/31/2025 Charged per applicant.
Amenities
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Gramercy Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Gramercy Apartments
From the property listing:
Vibrant, Stylish, and Exclusive Welcome to Gramercy Apartments, a residential community featuring one and two bedroom apartments in San Diego, CA. Spacious layouts and amenities welcome you home, along with exceptional service and an ideal location within walking distance to shopping, dining and entertainment options. Are you looking for an apartment for rent in San Diego, CA? Contact our friendly, professional office staff to schedule a tour today.
Other Options Nearby
Still weighing your choices? Other communities in San Diego — compare rent and estimated insurance cost side by side.
Arcadia at StoneCrest Village Apartments
Serra Mesa
Cambridge Park Apartments
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Olympus Corsair Apartments
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ReNew Serra Mesa Apartments
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10024 Paseo Montril Apartment
Rancho Penasquitos
10062 Paseo Montril Apartment
Rancho Penasquitos
Frequently Asked Questions
Does Gramercy Apartments require renters insurance?
How much is renters insurance at Gramercy Apartments?
What will I actually pay per month at Gramercy Apartments?
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Get Renters Insurance for Gramercy 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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