Renters Insurance at Sola at Pacific Highlands Ranch Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Sola at Pacific Highlands Ranch Apartments can push your insurance cost up or down:
Gated Community
Gated access reduces theft risk — may qualify for security discount
Dog-Friendly
Dogs allowed — consider higher liability coverage
Theft Reports
4 mentions in Google reviews
Identity Theft Concerns
2 mentions in reviews (mail tampering, fraud, personal info)
Security System Issues
1 mention of broken gates, cameras, or locks in reviews
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 1565/100K (near national average)
What You'll Likely Pay
$14
Est. Monthly
$170
Est. Annual
$13
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 Sola at Pacific Highlands Ranch 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 Sola at Pacific Highlands Ranch 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 $13/mo
6 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. Sola at Pacific Highlands Ranch Apartments also has on-site security features (Package service, Property manager on site, Gated, Package lockers, Sprinklers) 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.
What residents talk about most
Security
A recurring concern in reviews
“There are no security cameras in the hallways.” — Google reviewer
Parking
Consistently positive in reviews
“There's plenty of parking for guests, making it easy to host parties and gatherings.” — Google reviewer
Management
Consistently positive in reviews
“Hawi and Adriaa went above and beyond to ensure a smooth transition from selecting the right apartment to moving in to local area assistance.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
Of the three big natural hazards a renter might worry about, only earthquake risk stands out at Sola at Pacific Highlands Ranch 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
This address is in one of FEMA's lower flood-risk classifications. Standard renters policies don't cover flood damage anywhere, but in low-risk zones the cost of a separate NFIP policy generally isn't justified by the expected loss. The detail is below mostly for completeness.
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
At this hazard level, the question isn't whether a damaging earthquake is possible — it's how to handle the fact that a standard renters policy excludes the damage if one happens. Earthquake endorsements priced for renters typically run $50–$150 annually and cover personal property only (no structural coverage; that's already the landlord's responsibility).
High seismic hazard · ground motion 0.59g
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
Severe-weather activity in San Diego County is at the low end. Standard renters insurance already covers wind and hail damage to your stuff, so the data below is more context than coverage gap.
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.
13385 Highlands Pl, San Diego, CA 92130
North Shore Cities
Monthly Cost Breakdown at Sola at Pacific Highlands Ranch Apartments
The listed rent isn't the whole number. Here's what Sola at Pacific Highlands Ranch Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at Sola at Pacific Highlands Ranch 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 - 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.
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.
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
| Restrictions: Breed Restrictions Apply
Pet Deposit (Refundable)
Max of 2. 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 1. Monthly amount for authorized pet. Charged per pet
Parking Fees
Parking Fee
Max of 1. Amount for covered parking space/services. May be subject to availability. Charged per rentable item.
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 - Vehicle Registration
Max of 1. Amount for authorized vehicle registration. Charge d per vehicle. Payable to 3rd Party
Optional Add-On Fees
Package Services - Registration
Amount to register for package services. Charged per unit. P ayable to 3rd Party
Package Services
Amount for package services. Charged per unit. Payable to 3r d Party
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/Lock Change Fee
Amount to change or reprogram access to rental home. Charged per unit.
Access Device - Replacement
Amount to obtain a replacement access device for community; fobs, keys, remotes, access passes. Charged per device.
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 Sola at Pacific Highlands Ranch 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 Sola at Pacific Highlands Ranch Apartments
From the property listing:
Welcome to Sola at Pacific Highlands Ranch! Each Carmel Valley apartment offers spacious open-concept living and stunning design touches. Our community is also proud to be pet-friendly, offering a dog park and spa for your four-legged companions!The apartment homes at Sola are designed to radiate elegance, artistry, and poise. Spacious floor plans accompany unparalleled interior luxuries including gourmet kitchens, stainless steel appliances, designer bathrooms, and wood-style plank flooring.Greystar California, Inc. dba Greystar Corp. License No. 1525765 Broker: Gerard S. Donohue License No.
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Disclaimer
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