245 Bonita Glen Dr, Chula Vista, CA 91910
Hilltop
Monthly Cost Breakdown at Union Apartments
The listed rent isn't the whole number. Here's what Union Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Union Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Union Apartments can push your insurance cost up or down:
Open Access
No gated or controlled access — higher theft exposure
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 1053/100K (33% below national average)
What You'll Likely Pay
$16
Est. Monthly
$197
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 Union 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 Union 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 $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 Chula Vista.
Chula Vista 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. Union Apartments also has on-site security features (Package service, Property manager on site, Covered parking) that insurers recognize with discounts.
Source: FBI UCR Program, Chula Vista (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 Union 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 Union 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.
Pets Fees
Dog Deposit
Charged per pet.
Dog Rent
Charged per pet.
Cat Deposit
Charged per pet.
Cat Rent
Charged per pet.
Parking Fees
Parking Fee
Max of 2. Charged per vehicle. Payable to 3rd Party
Parking Fee
Max of 2. Charged per vehicle. Payable to 3rd Party
Parking Fee
Max of 2. Charged per vehicle. Payable to 3rd Party
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Union Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Union Apartments
From the property listing:
Generous studio, one-bedroom, and two-bedroom floor plans define the bright, airy offerings of UNION Apartments. This brand new property features a living space for every lifestyle. Browse our wide selection of homeswere certain we have a layout to fit your specific needs.UNIONs newly-constructed apartments are stylishly-appointed and designed with your comfort and convenience in mind. Our expansive community offers a beautiful garden setting with ample parking, pool, spa, fitness center, BBQ area, bike storage, a pet play area and much more. Discover your dream home today.
Other Options Nearby
Still weighing your choices? Other communities in Chula Vista — compare rent and estimated insurance cost side by side.
Point Bonita Apartments
Hilltop
10024 Paseo Montril Apartment
Rancho Penasquitos
10062 Paseo Montril Apartment
Rancho Penasquitos
10635 Calle Mar De Mariposa Apartment
North Shore Cities
10742 Caminito Cascara Townhouse
Grantville
10th and Robinson Apartments
Hillcrest
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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