319 IMPERIAL BEACH Blvd, Imperial Beach, CA 91932
Imperial Beach
Monthly Cost Breakdown at Imperial Beach Gardens Apartments
The listed rent isn't the whole number. Here's what Imperial Beach Gardens Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Imperial Beach Gardens Apartments
We found a few insurance details on Imperial Beach Gardens 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.
In Imperial Beach Gardens Apartments's own words:
"o any user-generated content that constitutes or promotes any illegal activity, including, without limitation, any user-generated content constituting or encouraging conduct that would be a criminal offense, give rise to civil liability or otherwise violate any local, state, national or foreign law;"
"This may include information such as: account number and password, application and claims history, financial account information, resident names, contact information, payment card number, credit history, criminal history, date of birth, driving citations, emergency contact details, insurance policy information, or social media account details, status as victim of domestic violence, assault, or stalking."
"This may include, but is not limited to: account profiles, records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies."
What Affects Your Premium Here
Every building is different. These factors specific to Imperial Beach Gardens Apartments can push your insurance cost up or down:
Older Building
Built in 1959 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
Theft Reports
3 mentions in Google reviews
Vehicle Crime
1 mentions of car theft, vandalism, or break-ins in reviews
Security System Issues
1 mentions of broken gates, cameras, or locks in reviews
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 349/100K (78% below 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 Imperial Beach Gardens 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
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 Imperial Beach Gardens 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 Imperial Beach.
Imperial Beach property crime rate
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
U.S. average
Below-average property crime typically translates to lower renters insurance premiums in this area, and security features on the building can push your rate even lower. Imperial Beach Gardens Apartments also has on-site security features (Property manager on site, Covered parking) that insurers recognize with discounts.
Source: FBI UCR Program, Imperial Beach (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 Imperial Beach Gardens 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 Imperial Beach Gardens 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
Other
1 assigned covered carport per apartment with additional storage above carport
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Imperial Beach Gardens Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Imperial Beach Gardens Apartments
From the property listing:
Welcome home to coastal living at Imperial Beach Gardens Apartment Homes! Our beautiful community is located in Imperial Beach, California within minutes to the beach. You will find an elementary, day school and high school nearby, a sports park, Reama Park, and bus routes. We offer spacious two or three bedroom townhomes featuring an entry closet, gas range, premium carpeting, and a private entry. Relax in our sparkling swimming pool or enjoy our meticulously well maintained grounds. We offer on-site laundry facilities, community website and a fitness center.
Other Options Nearby
Still weighing your choices? These communities are in the same part of Imperial Beach — compare rent and estimated insurance cost side by side.
11th Street Townhomes
Imperial Beach
Casa Sol Apartments
Imperial Beach
Imperial Palms Apartments
Imperial Beach
Mar at Grove Apartments
Imperial Beach
Mariners Point Apartments
Imperial Beach
Sea Breeze Garden Apartments
Imperial Beach
Frequently Asked Questions
Does Imperial Beach Gardens Apartments require renters insurance?
How much is renters insurance at Imperial Beach Gardens Apartments?
What will I actually pay per month at Imperial Beach Gardens 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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