3454 Ruffin Rd, San Diego, CA 92123
Serra Mesa
Monthly Cost Breakdown at ReNew Serra Mesa Apartments
The listed rent isn't the whole number. Here's what ReNew Serra Mesa Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at ReNew Serra Mesa Apartments
We found a few insurance details on ReNew Serra Mesa 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 ReNew Serra Mesa Apartments can push your insurance cost up or down:
Older Building
Built in 1971 — 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 ReNew Serra Mesa 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 ReNew Serra Mesa 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. ReNew Serra Mesa Apartments also has on-site security features (Property manager on site) 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 ReNew Serra Mesa 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 ReNew Serra Mesa 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
Monthly Pet Fee
Max of 2. Charged per pet.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what ReNew Serra Mesa Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About ReNew Serra Mesa Apartments
From the property listing:
The life you love is waiting for you at ReNew Serra Mesa. Come home to large picture windows, wall-to-wall closets, and fully equipped kitchens with abundant cabinet space. Relax at one of the five sparkling swimming pools or fire up the grill at our BBQ and picnic areas. Getting to the beach or Downtown San Diego is a breeze with our easy access to Escondido Fwy, 805, and 163. Less than 15 minutes from the San Diego Zoo, Tecolote Canyon Natural Park, and Mission Trails Regional Park, there's no shortage of recreational opportunities.
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
Serra Mesa
Gramercy Apartments
Serra Mesa
Olympus Corsair Apartments
Serra Mesa
10024 Paseo Montril Apartment
Rancho Penasquitos
10062 Paseo Montril Apartment
Rancho Penasquitos
Frequently Asked Questions
Does ReNew Serra Mesa Apartments require renters insurance?
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What will I actually pay per month at ReNew Serra Mesa Apartments?
Does ReNew Serra Mesa Apartments allow pets?
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Get Renters Insurance for ReNew Serra Mesa 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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