363 Palm Ave, Imperial Beach, CA 91932
Imperial Beach
Monthly Cost Breakdown at Sea Breeze Garden Apartments
The listed rent isn't the whole number. Here's what Sea Breeze Garden Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Sea Breeze Garden Apartments
We found a few insurance details on Sea Breeze Garden 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 Sea Breeze Garden Apartments can push your insurance cost up or down:
Older Building
Built in 1960 — older plumbing/electrical may increase risk
Gated Community
Gated access reduces theft risk — may qualify for security discount
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
$18
With Discounts/mo
$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 Sea Breeze Garden 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 Sea Breeze Garden 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 $18/mo
5 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. Sea Breeze Garden Apartments also has on-site security features (Property manager on site, Gated) 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 Sea Breeze Garden 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 Sea Breeze Garden 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.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Sea Breeze Garden Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Sea Breeze Garden Apartments
From the property listing:
Sea Breeze Garden Apartments, a coastal community located at 363 Palm Avenue in Imperial Beach. The community consists of a two-story building with 69 units, originally built in 1960 and recently updated. We currently have availability for 1 & 2-bedroom units, 1-bathroom. Updated kitchens featuring stainless steel appliances and brand new flooring. Onsite smart app-controlled laundry facilities and off-street parking. Residents have access to a sparkling swimming pool, BBQ grills, and bike storage.
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 Beach Gardens Apartments
Imperial Beach
Imperial Palms Apartments
Imperial Beach
Mar at Grove Apartments
Imperial Beach
Mariners Point Apartments
Imperial Beach
Frequently Asked Questions
Does Sea Breeze Garden Apartments require renters insurance?
How much is renters insurance at Sea Breeze Garden Apartments?
What will I actually pay per month at Sea Breeze Garden Apartments?
Does Sea Breeze Garden Apartments allow pets?
How safe is the area around Sea Breeze Garden Apartments?
What floor plans does Sea Breeze Garden Apartments offer?
Get Renters Insurance for Sea Breeze Garden Apartments
See how much you could save on renters insurance
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.
SafeButler Inc. strives to ensure that the information on this site is up to date, but we will not be held liable for any delays, inaccuracies, errors, or omissions. This site and all materials contained on it are distributed and provided "as is" and "as available" for use. SafeButler.com makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.