4550 Vandever Ave, Unit 38, San Diego, CA 92120
Grantville
Monthly Cost Breakdown at Village Terrace Apartments
The listed rent isn't the whole number. Here's what Village Terrace Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Village Terrace Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Village Terrace Apartments can push your insurance cost up or down:
Older Building
Built in 1966 — 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: 1565/100K (near 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 Village Terrace 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 Village Terrace 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 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. Village Terrace Apartments also has on-site security features (Gated) 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 Village Terrace 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 Village Terrace Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Amenity Fee
Charged per applicant.
Application Fee Per Applicant
Charged per applicant.
Parking Fees
Parking Fee
Max of 1. Charged per vehicle.
Amenities
Community Features
Floor Plan Amenities
Pet Policy
Bringing a pet? Here's what Village Terrace Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Village Terrace Apartments
From the property listing:
Come experience our lushly landscaped community offering some of the cleanest and nicest apartments in the neighborhood at rents lower than the competition. Enjoy a clean, quiet, and safe environment with easy access to I-15 and I-8 freeways. Conveniently located near IKEA, Costco, Vons, Starbucks, In-N-Out, Home Depot, CVS, Grantville Trolley Station, Snapdragon Stadium and many great dining options all just minutes away.
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.
10742 Caminito Cascara Townhouse
Grantville
Gravity Apartments
Grantville
IMT Mission Valley Apartments
Grantville
Mission Arbor Apartments
Grantville
Prado Apartments
Grantville
Stadium Arms Apartments
Grantville
Frequently Asked Questions
Does Village Terrace Apartments require renters insurance?
How much is renters insurance at Village Terrace Apartments?
What will I actually pay per month at Village Terrace Apartments?
Does Village Terrace Apartments allow pets?
How safe is the area around Village Terrace Apartments?
What floor plans does Village Terrace Apartments offer?
Get Renters Insurance for Village Terrace 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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