Renters Insurance at 2295 Anna Dr Apartments
What Affects Your Premium Here
Every building is different. These factors specific to 2295 Anna Dr Apartments can push your insurance cost up or down:
Older Building
Built in 1971 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
FEMA Flood Zone
Zone AO — High-risk sheet flow flooding (1-3 ft). Flood insurance strongly recommended.
FBI UCR
Property crime rate: 2669/100K (69% above national average)
What You'll Likely Pay
$19
Est. Monthly
$224
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 2295 Anna Dr 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 2295 Anna Dr 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 $19/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 Santa Clara.
Santa Clara property crime rate
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
U.S. average
Higher-than-average property crime is why insurance carriers charge more in this zip code — your premium reflects the claims frequency for the area.
Source: FBI UCR Program, Santa Clara (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.
Natural Hazards & Your Renters Coverage
At this address in Santa Clara, two of renters insurance's biggest exclusions overlap. The property is mapped into a FEMA flood-risk zone and the seismic hazard is rated high. A standard policy would handle neither. The good news is both gaps can be closed with relatively cheap add-ons; the section below works through the specifics.
Flood damage
FEMA places this address inside a Special Flood Hazard Area, which is the agency's designation for parts of the country with at least a 1-in-4 chance of flooding over a 30-year mortgage. Standard renters insurance excludes flood damage outright — even small amounts of standing water that ruin a mattress or laptop. Closing the gap requires either an NFIP renters policy (starting around $99 a year) or a private flood policy from carriers like Neptune or Wright Flood.
FEMA Zone AO — High-risk sheet flow flooding (1-3 ft)
Flood insurance strongly recommended — sheet flow flooding is common in this zone.
What to know about flood insurance as a renter:
- Your landlord's building policy does not cover your belongings
- NFIP (National Flood Insurance Program) offers renters policies starting around $99/year
- Private carriers (Neptune, Wright Flood) may offer lower rates
- Most flood claims in this zone are for personal property, not structural damage
Most flood claims renters file in zones like this one are for personal property — laptops, mattresses, instruments — not structural damage. That's exactly what a renters-targeted flood policy is designed for.
Flood zone data from FEMA National Flood Hazard Layer (NFHL). Zones can change — verify at FEMA Flood Map Service.
Earthquake shaking
USGS classifies the ground here as high seismic hazard — at this rating, building codes assume designers planned for significant ground motion. The structure is the landlord's problem; damage to your possessions during a quake is yours alone, and a standard renters policy excludes it. An earthquake endorsement (typically $50–$150 a year for renters) closes that specific gap.
High seismic hazard · ground motion 1.19g
A renters earthquake endorsement covers personal property only and runs roughly $50–$150 a year — structural damage is the landlord's responsibility.
Hazard data from USGS National Seismic Hazard Model. The ground-motion figure is the level USGS expects to be exceeded with about 2% probability over a 50-year horizon — the standard reference used in building codes.
Severe weather you'd actually claim for
NOAA's severe-weather record for Santa Clara County is on the calmer end of the national distribution — modest activity across most categories. Whatever does happen, your renters policy already covers it (wind, hail, lightning damage to your possessions). The five-year averages are below.
Source: NOAA Storm Events Database, annual averages from the past five years for Santa Clara County. Counts reflect reported events, not damage amounts.
Renters here typically end up either adding two endorsements to a single policy (simpler but not always cheaper) or carrying separate flood and earthquake policies alongside their standard renters policy (more annoying to manage but often cheaper). Worth pricing both.
2295 Anna Dr, Santa Clara, CA 95050
Santa Clara
Monthly Cost Breakdown at 2295 Anna Dr Apartments
The listed rent isn't the whole number. Here's what 2295 Anna Dr Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at 2295 Anna Dr Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Parking Fees
Parking Fee
Max of 16. Charged per vehicle.
About 2295 Anna Dr Apartments
From the property listing:
Open House Sunday, January 25th from 12-2. One bed One bath unit available now. Please stop by to take a look.
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Disclaimer
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