Imperial Palms Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 17, 2026

Thinking about renting at Imperial Palms Apartments in Imperial Beach? Rent here runs $1,925 – $2,020, and renters insurance adds about $19/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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1037 Seacoast Dr, Imperial Beach, CA 91932

Imperial Beach

Built 1965 2 stories 37 units
3.9/5 ·7 reviews Google
Apt. Finder
$1,925 – $2,020 /month

Monthly Cost Breakdown at Imperial Palms Apartments

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

Total Monthly Cost $1,944 – $2,039
Base Rent $1,925 – $2,020
Est. Renters Insurance $19/mo

Renters Insurance at Imperial Palms Apartments

What Affects Your Premium Here

Every building is different. These factors specific to Imperial Palms Apartments can push your insurance cost up or down:

Older Building

Built in 1965 — older plumbing/electrical may increase risk

Open Access

No gated or controlled access — higher theft exposure

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 Palms 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 Imperial Palms 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

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

Next Step

See if you can beat $19/mo

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

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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

349

per 100K residents

78% below U.S. avg

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

Breakdown per 100K residents

Burglary
16 / 200
Larceny / theft
158 / 1,172
Vehicle theft
174 / 206

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 Palms Apartments also has on-site security features (Property manager on site) 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.

Fire Mentioned
2×
Water Damage Mentioned
1×
Maintenance Issues Mentioned
1×
Slip/Fall Hazards Mentioned
1×
Security System Failures Mentioned
1×

On-Site Security

Property manager on site

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 Palms 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 Palms 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.

$35

Amenities

Special Features

Across The Street From The Beach Assigned Parking Energy Efficient Windows Hardwood Flooring Large Sliding Windows Laundry Facility On-site Non Smoking Ocean view Onsite Manager Oversized Closet Window Covering

Community Features

Laundry Facilities Maintenance on site Recycling Public Transportation Walk-Up Waterfront Walking/Biking Trails

Floor Plan Amenities

Heating Smoke Free Cable Ready Tub/Shower Disposal Pantry Kitchen Oven Range Refrigerator Freezer Hardwood Floors Walk-In Closets Double Pane Windows Window Coverings

Pet Policy

Bringing a pet? Here's what Imperial Palms 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 Imperial Palms Apartments

Year Built: 1965
Stories: 2 stories
Units: 37
Phone: (619) 789-4510

From the property listing:

Wake up near the beach in a studio designed for comfort, flexibility, and ease. This cozy yet spacious home features a bright, open-concept layout that feels airy from the moment you enter—making it easy to create a space that works for your lifestyle, whether that’s relaxing, working from home, or both. Thoughtfully designed with everyday convenience in mind, the apartment includes a large walk-in closet and a full kitchen with energy-efficient appliances.

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

$2,700 Ins: ~$17/mo

Casa Sol Apartments

Imperial Beach

$2,095 Ins: ~$19/mo

Imperial Beach Gardens Apartments

Imperial Beach

$2,650 - $3,500 Ins: ~$19/mo

Mar at Grove Apartments

Imperial Beach

$2,661 - $5,104 Ins: ~$17/mo

Mariners Point Apartments

Imperial Beach

$2,200 - $2,550 Ins: ~$17/mo

Sea Breeze Garden Apartments

Imperial Beach

$1,975 - $2,275 Ins: ~$19/mo

Frequently Asked Questions

Does Imperial Palms Apartments require renters insurance?
We didn't find a public insurance requirement for Imperial Palms 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 Imperial Palms Apartments?
For this zip code and building type, expect to pay around $19/month ($224/year). For context, the statewide average is $16/month, so this building is above average.
What will I actually pay per month at Imperial Palms Apartments?
Plan for $1,944 to $2,039/month all-in. That's base rent ($1,925 – $2,020), plus roughly $19/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Imperial Palms Apartments allow pets?
Pet policies at Imperial Palms Apartments are handled on a case-by-case basis — contact the leasing office for details.
How safe is the area around Imperial Palms Apartments?
Property crime in Imperial Beach is well below the national average — 349 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 16/100K here. On the property itself, you'll find property manager on site — features that can qualify for premium discounts.
What floor plans does Imperial Palms Apartments offer?
There is 1 floor plan available, a studio layout. Rent ranges from $1,925 – $2,020. 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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