4520 Alvarado Canyon Rd, San Diego, CA 92120
Grantville
Monthly Cost Breakdown at Union Grantville Apartments
The listed rent isn't the whole number. Here's what Union Grantville Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Union Grantville Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Union Grantville Apartments can push your insurance cost up or down:
Open Access
No gated or controlled access — higher theft exposure
Dog-Friendly
Dogs allowed — consider higher liability coverage
Theft Reports
2 mentions in Google 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
$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 Grantville Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$10,000
If you own more
$25,000
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 Union Grantville 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 $14/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 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. Union Grantville Apartments also has on-site security features (Package service, Covered parking) 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.
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 Grantville 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 Grantville Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Renters Liability Insurance - Third Party
Amount for renters liability insurance obtained through resident'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.
Utility - Billing Administrative Fee
Amount to manage utility services billing. Charged per leaseholder.
Pets Fees
Pet Deposit (Refundable)
Max of 1. Amount for pet living in rental home. May be assessed 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 parking space/services. May be subject to availability. Charged per rentable item.
Addons Fees
Renters Liability/Content - Property Program
Amount to participate in the property Renters Liability Program. Charged per unit.
Renters Liability Only
Amount for required Renters Liability Policy. Charged per unit.
Situational Fees
Reletting Fee
Marketing fee related to early lease termination; excludes rent and other charges. Charged per leaseholder.
Returned Payment Fee (NSF)
Amount for returned payment. Charged per unit.
Intra-Community Transfer Fee
Amount due when transferring to another rental unit within community. Charged per unit.
Access Device - Replacement
Amount to obtain a replacement access device for community; fobs, keys, remotes, access passes. Charged per unit.
Access Fee - After Hours
Amount for access to rental home after business hours. Charged per unit.
Late Fee
Amount for paying after rent due date; per terms of lease. Charged per unit.
Utility - Electric
Usage-Based (Utilities).Amount for provision and consumptionof electricity. Charged per leaseholder.
Utility - Water/Sewer
Usage-Based (Utilities).Amount for provision and/or consumption of water and sewer services Charged per leaseholder.
Positive Credit Reporting Services
Amount to send positive payment history to credit reporting agency(ies); per person. Charged per leaseholder. Payable to 3rd Party
Payment Services - Third Party
Amount for using a third party, electronic payment processing service (i.e. credit card, ACH, etc.). Charged per unit. Payable to 3rd Party
Security Deposit (Refundable)
Amount intended to be held through residency that may be applied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per leaseholder.
Amenities
Special Features
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Union Grantville 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 Union Grantville Apartments
From the property listing:
Enjoy San Diego living at Union Grantville. You'll find this community in the Grantville area of San Diego. From amenities to floor plan options, the professional leasing team is excited to help you find your new place. Drop by the leasing office to schedule a tour and find your new home at Union Grantville.
Other Options Nearby
Still weighing your choices? These communities are in the same part of San Diego — compare rent and estimated insurance cost side by side.
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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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