Renters Insurance at The Gardens on Bancroft Apartments
We found a few insurance details on the The Gardens on Bancroft Apartments 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 The Gardens on Bancroft Apartments can push your insurance cost up or down:
Older Building
Built in 1933 — older plumbing/electrical may increase risk
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 1565/100K (near national average)
What You'll Likely Pay
$20
Est. Monthly
$234
Est. Annual
$19
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 The Gardens on Bancroft 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
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 The Gardens on Bancroft Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $10/mo | $123/yr |
| USAA | $11/mo | $138/yr |
| State Farm | $15/mo | $184/yr |
| Progressive | $17/mo | $199/yr |
| Safeco | $17/mo | $199/yr |
| Travelers | $18/mo | $215/yr |
| Allstate | $19/mo | $230/yr |
| Nationwide | $19/mo | $230/yr |
| Farmers | $20/mo | $245/yr |
| Liberty Mutual | $23/mo | $276/yr |
Discounts You May Qualify For
Next Step
See if you can beat $19/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 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. The Gardens on Bancroft Apartments also has on-site security features (Controlled access, Perimeter fencing) that insurers recognize with discounts.
Source: FBI UCR Program, San Diego (2024-12 to 2025-11)
On-Site Security
Natural Hazards & Your Renters Coverage
The USGS National Seismic Hazard Model rates the ground beneath The Gardens on Bancroft Apartments as high-hazard for shaking — significant enough that a separate earthquake endorsement is worth pricing alongside a standard renters policy. Flood risk at the address is low, and severe-weather damage of the wind/hail variety would be covered by a baseline policy. The earthquake-specific picture is below.
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 0.77g
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.
The standard renters policy is the right starting point. The gap above is closable with a single endorsement; pricing it as part of a bundled quote is the usual move.
3934-3944 Bancroft St, San Diego, CA 92104
North Park
Monthly Cost Breakdown at The Gardens on Bancroft Apartments
The listed rent isn't the whole number. Here's what The Gardens on Bancroft Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at The Gardens on Bancroft Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Utility Fees - Usage Based
Charged per unit.
About The Gardens on Bancroft Apartments
From the property listing:
Move in special 1 month free with 14-month lease! Now Leasing at The Gardens on Bancroft – Where Vintage Charm Meets Modern Living! Tucked in the heart of North Park, our newly renovated 1930s bungalows and sleek modern apartments offer the perfect mix of style, privacy, and comfort with no shared walls in any unit! Enjoy thoughtfully designed studio, 1 & 2 bedrooms with upscale finishes, in-unit laundry, and private patios in select homes.
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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