Renters Insurance at RiverEdge Terrace* Apartments
What Affects Your Premium Here
Every building is different. These factors specific to RiverEdge Terrace* Apartments can push your insurance cost up or down:
Open Access
No gated or controlled access — higher theft exposure
Dog-Friendly
Dogs allowed — consider higher liability coverage
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 1565/100K (near national average)
What You'll Likely Pay
$16
Est. Monthly
$195
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 RiverEdge Terrace* 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
Dog-friendly community — higher liability recommended for pet-related incidents
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near RiverEdge Terrace* 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 $16/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.
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.
What residents talk about most
Maintenance
Consistently positive in reviews
“Maintenance crew was very respectful, prompt and honest.” — Google reviewer
Noise
Consistently positive in reviews
“The community is beautiful and peaceful, the apartments are very spacious, and I especially loved having an attached garage.” — Google reviewer
Natural Hazards & Your Renters Coverage
Of the three big natural hazards a renter might worry about, only earthquake risk stands out at RiverEdge Terrace* Apartments. USGS classifies the surrounding area as high seismic hazard, which a typical renters policy specifically excludes. Flood risk is minimal here and severe-weather damage is already covered. The section below details what an earthquake endorsement actually buys.
Flood damage
FEMA's flood-zone classification for this address is low-risk, which means the federal government doesn't expect significant flooding here under typical conditions. A standard renters policy still excludes flood damage, but a separate flood policy is hard to justify economically when the underlying risk is low. The zone label is below for the record.
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.
Earthquake shaking
USGS classifies the ground here as high seismic hazard — at this rating, building codes assume designers planned for significant ground motion. The structure is the landlord's problem; damage to your possessions during a quake is yours alone, and a standard renters policy excludes it. An earthquake endorsement (typically $50–$150 a year for renters) closes that specific gap.
High seismic hazard · ground motion 0.51g
A renters earthquake endorsement covers personal property only and runs roughly $50–$150 a year — structural damage is the landlord's responsibility.
Hazard data from USGS National Seismic Hazard Model. The ground-motion figure is the level USGS expects to be exceeded with about 2% probability over a 50-year horizon — the standard reference used in building codes.
Severe weather you'd actually claim for
NOAA's severe-weather record for San Diego County is on the calmer end of the national distribution — modest activity across most categories. Whatever does happen, your renters policy already covers it (wind, hail, lightning damage to your possessions). The five-year averages are below.
Source: NOAA Storm Events Database, annual averages from the past five years for San Diego County. Counts reflect reported events, not damage amounts.
Compared to a fully unprotected address, the gap above is well-defined and inexpensive to close. The value of the standard policy doesn't change — the optional add-on does.
4805 Wind Surf Way, San Diego, CA 92154
Ocean Crest
Monthly Cost Breakdown at RiverEdge Terrace* Apartments
The listed rent isn't the whole number. Here's what RiverEdge Terrace* Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at RiverEdge Terrace* Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Utility - Billing Administrative Fee
Amount to manage utility services billing. Charged per unit.
Utility - Electric - Third Party
Usage-Based (Utilities).Amount for provision and consumption of electric paid to a third party. Charged per unit. Payable to 3rd Party
Utility - Natural Gas - Third Party
Usage-Based (Utilities).Amount for provision and consumption of natural gas paid to a third party. Charged per unit. Payable to 3rd Party
Utility - Water
Usage-Based (Utilities).Amount for provision and consumption of water Charged per unit.
Utility - Sewer
Usage-Based (Utilities).Amount for provision of sewer servic es. Charged per unit.
Pest Control Services
Amount for pest control services. Charged per unit.
Trash Services - CA
Usage-Based (Utilities).Trash services provided only in Cali fornia. Charged per unit.
Porter Service Rebill
Usage-Based (Utilities).Amount associated with billing back third-party porter services. Charged per unit.
Renters Liability Insurance - Third Party
Amount for renters liability insurance obtained through resi dent's provider of choice. Charged per leaseholder. Payable to 3rd Party
Application Fee
Amount to process application, initiate screening, and take a rental home off the market. Charged per applicant.
Holding Deposit (Refundable)
Amount to hold rental home off the market at time of applica tion. Amount applied to security deposit and/or amounts owed upon application approval. Refundable per terms of application. Charged per unit.
Security Deposit (Refundable)
Amount intended to be held through residency that may be app lied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit.
Pets Fees
Pet Management - Third Party
Maximum of 2 Pets per Apartment. Breed Restrictions Apply - Select Homes Only
Pet Deposit (Refundable)
Max of 1. Amount for pet living in rental home. May be asses sed per pet or per rental home, based on lease requirements. Refunds processed per lease terms. Charged per pet.
Pet Rent
Max of 2. Monthly amount for authorized pet. Charged per pet
Parking Fees
Parking Fee
Max of 1. Amount for electric vehicle space; reserved or pay -per-use station. May be subject to availability. Charged per vehicle. Payable to 3rd Party
Parking Fee
Max of 2. Amount for parking space/services. May be subject to availability. Charged per rentable item.
Parking - Vehicle Registration
Max of 1. Amount for authorized vehicle registration. Charge d per vehicle. Payable to 3rd Party
Optional Add-On Fees
Common Area/Clubhouse Rental
Amount to rent a shared common area space, including clubhou se. May be subject to availability. Charged per unit.
Situational Fees
Security Deposit - Additional (Refundable)
Additional amount, based on screening results, intended to b e held through residency that may be applied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit.
Damage Waiver Program
Amount to participate in waiver program in lieu of obtaining liability insurance. Charged per unit.
Returned Payment Fee (NSF)
Amount for returned payment. Charged per unit.
Access Device - Replacement
Amount to obtain a replacement access device for community; fobs, keys, remotes, access passes. Charged per device.
Access/Lock Change Fee
Amount to change or reprogram access to rental home. Charged per unit.
Late Fee
Amount for paying after rent due date; per terms of lease. Charged per unit.
Utility - Vacant Processing Fee
Amount for failing to transfer utilities into resident name. Charged per unit.
Common Area/Clubhouse Deposit (Refundable)
Amount to rent a shared community amenity space. Refund proc essed in accordance with amenity/clubhouse rental agreement. May be subject to availability. Charged per unit.
Early Lease Termination/Cancellation
Amount to terminate lease earlier than lease end date; exclu des rent and other charges. Charged per unit.
Positive Credit Reporting Services
Amount to send positive payment history to credit reporting agency(ies); per person. Charged per leaseholder. Payable to 3rd Party
Utility - Vacant Cost Recovery
Usage-Based (Utilities).Amount for utility usage not transfe rred to resident responsibility any time during occupancy. Charged per unit.
Pet Policy
Bringing a pet? Here's what RiverEdge Terrace* Apartments allows — and keep in mind, if you have a dog, most insurance advisors recommend bumping your liability coverage to at least $300,000. Standard renters policies cover pet-related incidents, but the default $100,000 limit may not be enough if something happens.
About RiverEdge Terrace* Apartments
From the property listing:
Your dream home awaits at RiverEdge Terrace Apartments. These spacious and amenity-packed luxury apartments in San Diego, located at 92154, ensure you wont just live youll thrive. Plus, youre bound to love our treasure trove of leisure areas, from the two swimming pools to the tennis and basketball courts. Being right off Palm Ave and Jacob Dekema Freeway, you'll also enjoy the benefits of an ideal location in Southern San Diego.Embrace a life of comfort inside our luxury apartments in San Diego, located in the serene Ocean View Hills.
Frequently Asked Questions
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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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