310-340 Palm Ave, National City, CA 91950
National City
Monthly Cost Breakdown at Vista Palmera Apartments
The listed rent isn't the whole number. Here's what Vista Palmera Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Vista Palmera Apartments
We found a few insurance details on Vista Palmera Apartments's 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 Vista Palmera 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: 1792/100K (14% above national average)
What You'll Likely Pay
$18
Est. Monthly
$215
Est. Annual
$17
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 Vista Palmera Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$35,000
If you own more
$75,000
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 Vista Palmera Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $11/mo | $134/yr |
| USAA | $13/mo | $150/yr |
| State Farm | $17/mo | $201/yr |
| Progressive | $18/mo | $217/yr |
| Safeco | $18/mo | $217/yr |
| Travelers | $20/mo | $234/yr |
| Allstate | $21/mo | $251/yr |
| Nationwide | $21/mo | $251/yr |
| Farmers | $22/mo | $267/yr |
| Liberty Mutual | $25/mo | $301/yr |
Discounts You May Qualify For
Next Step
See if you can beat $17/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 National City.
National City 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 National City track closely with national baselines. Vista Palmera Apartments also has on-site security features (Sprinklers, Covered parking) that insurers recognize with discounts.
Source: FBI UCR Program, National City (2024-12 to 2025-11)
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 Vista Palmera 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 Vista Palmera Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
High Speed Internet Access
Charged per unit.
Application Fee Per Applicant
Charged per applicant.
Parking Fees
Parking Fee
Max of 1. Charged per vehicle.
Carport
Additional Garage available for $100/month
Amenities
Special Features
Community Features
Floor Plan Amenities
About Vista Palmera Apartments
From the property listing:
The exclusive living spaces at Vista Palmera are thoughtfully designed with comfort and convenience in mind and are stylishly appointed with the kind of premium materials and finishes you won’t find in any other rental apartments in National City. One, two and 3 bedroom newer apartments with ample storage space, patios/balconies, all appliances including front loading stackable washer/dryer. Parking included with single car garages available to rent for an additional $100/month. Also Google Webpass available to include and have instant access to the internet for $60/month. VERY pet friendly!
Other Options Nearby
Still weighing your choices? These communities are in the same part of National City — compare rent and estimated insurance cost side by side.
12th Street Lofts
National City
611 Highland Apartments
National City
Bayview Tower Condominiums
National City
Bella Vita Apartments
National City
Essex Manor Apartments
National City
Granada Terrace Apartments
National City
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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