4747-4751 Jessie Ave, La Mesa, CA 91942
La Mesa
Monthly Cost Breakdown at THE POINTE - JUST RENOVATED! Luxurious Community, W/D In Unit Apartments
The listed rent isn't the whole number. Here's what THE POINTE - JUST RENOVATED! Luxurious Community, W/D In Unit Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at THE POINTE - JUST RENOVATED! Luxurious Community, W/D In Unit Apartments
What Affects Your Premium Here
Every building is different. These factors specific to THE POINTE - JUST RENOVATED! Luxurious Community, W/D In Unit Apartments can push your insurance cost up or down:
Older Building
Built in 1976 — 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: 1367/100K (13% 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 THE POINTE - JUST RENOVATED! Luxurious Community, W/D In Unit 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 POINTE - JUST RENOVATED! Luxurious Community, W/D In Unit 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 La Mesa.
La Mesa 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 La Mesa track closely with national baselines. THE POINTE - JUST RENOVATED! Luxurious Community, W/D In Unit Apartments also has on-site security features (Gated) that insurers recognize with discounts.
Source: FBI UCR Program, La Mesa (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 THE POINTE - JUST RENOVATED! Luxurious Community, W/D In Unit 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 THE POINTE - JUST RENOVATED! Luxurious Community, W/D In Unit 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.
Parking Fees
Surface Lot
Parking Available
Amenities
Special Features
Community Features
Floor Plan Amenities
About THE POINTE - JUST RENOVATED! Luxurious Community, W/D In Unit Apartments
From the property listing:
Discover The Pointe, nestled in La Mesa in a community that offers convenient access to all that San Diego has to offer. Immerse yourself in the vibrant local scene of weekly farmers markets and renown local festivals. Effortless shopping is provided by convenient access to Costco and Grossmont Center. Step inside your newly renovated home featuring stainless-steel appliances and quartz countertops. The convenient in-unit washer and dryer adds to the ease and comfort of living at The Pointe. Home features: - Stainless steel appliances including microwave - Quartz countertop
Other Options Nearby
Still weighing your choices? These communities are in the same part of La Mesa — compare rent and estimated insurance cost side by side.
Casa La Mesa Apartments
La Mesa
Kelvin Apartments
La Mesa
La Mesa Highview Apartments
La Mesa
Mellmanor Apartments
La Mesa
The Highlands Apartments
La Mesa
Tierra Del Rey Apartments
La Mesa
Frequently Asked Questions
Does THE POINTE - JUST RENOVATED! Luxurious Community, W/D In Unit Apartments require renters insurance?
How much is renters insurance at THE POINTE - JUST RENOVATED! Luxurious Community, W/D In Unit Apartments?
What will I actually pay per month at THE POINTE - JUST RENOVATED! Luxurious Community, W/D In Unit Apartments?
How safe is the area around THE POINTE - JUST RENOVATED! Luxurious Community, W/D In Unit Apartments?
What floor plans does THE POINTE - JUST RENOVATED! Luxurious Community, W/D In Unit Apartments offer?
Get Renters Insurance for THE POINTE - JUST RENOVATED! Luxurious Community, W/D In Unit 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.
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