Renters Insurance at The Standard (CA) Apartments
What Affects Your Premium Here
Every building is different. These factors specific to The Standard (CA) Apartments can push your insurance cost up or down:
Gated Community
Gated access reduces theft risk — may qualify for security discount
Security System Issues
1 mention of broken gates, cameras, or locks in reviews
FBI UCR
Property crime rate: 2489/100K (58% above national average)
What You'll Likely Pay
$14
Est. Monthly
$170
Est. Annual
$13
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 The Standard (CA) 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
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 The Standard (CA) 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 $13/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 Jose.
San Jose 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. The Standard (CA) Apartments also has on-site security features (Property manager on site, Gated) that insurers recognize with discounts.
Source: FBI UCR Program, San Jose (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.
What residents talk about most
Management
Consistently positive in reviews
“She is friendly, nice and very helpful.” — Google reviewer
On-Site Security
Natural Hazards & Your Renters Coverage
Of the three big natural hazards a renter might worry about, only earthquake risk stands out at The Standard (CA) Apartments. USGS classifies the surrounding area as high seismic hazard, which a typical renters policy specifically excludes. Flood risk is minimal here and severe-weather damage is already covered. The section below details what an earthquake endorsement actually buys.
Flood damage
FEMA's flood-zone classification for this address is low-risk, which means the federal government doesn't expect significant flooding here under typical conditions. A standard renters policy still excludes flood damage, but a separate flood policy is hard to justify economically when the underlying risk is low. The zone label is below for the record.
FEMA Zone D — Flood risk undetermined — no analysis performed
Flood risk for this area has not been assessed. Consider flood insurance as a precaution.
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 1.23g
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.
Compared to a fully unprotected address, the gap above is well-defined and inexpensive to close. The value of the standard policy doesn't change — the optional add-on does.
515 Lincoln Ave, San Jose, CA 95126
Midtown San Jose
Monthly Cost Breakdown at The Standard (CA) Apartments
The listed rent isn't the whole number. Here's what The Standard (CA) Apartments actually costs each month once you add required fees and insurance.
Fees Beyond Rent
These are the additional charges beyond base rent at The Standard (CA) Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Trash Services - Doorstep
Amount for doorstep trash removal from rental home. Charged per unit.
Utility - Billing Administrative Fee
Amount to manage utility services billing. Charged per unit.
Utility - Electric - Third Party
Usage-Based (Utilities).Amount for provision and consumption of electric paid to a third party. Charged per unit. Payable to 3rd Party
Hot Water Energy
Usage-Based (Utilities).Amount for energy to heat water and/ or central system services delivered to the building and/or rental home. Charged per unit.
Utility - Water
Usage-Based (Utilities).Amount for provision and consumption of water Charged per unit.
Utility - Sewer
Usage-Based (Utilities).Amount for provision of sewer servic es. Charged per unit.
Trash Services - CA
Usage-Based (Utilities).Trash services provided only in Cali fornia. Charged per unit.
Renters Liability Insurance - Third Party
Amount for renters liability insurance obtained through resi dent'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.
Holding Deposit (Refundable)
Amount to hold rental home off the market at time of applica tion. Amount applied to security deposit and/or amounts owed upon application approval. Refundable per terms of application. Charged per unit.
Security Deposit (Refundable)
Amount intended to be held through residency that may be app lied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit.
Utility - Final Bill Fee
Amount billed to calculate final utility statement. Charged per unit.
Pets Fees
Pet Deposit (Refundable)
| Restrictions: None
Pet Rent
Max of 2. 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.
Optional Add-On Fees
Renters Liability/Content - Property Program
Amount to participate in the property Renters Liability Pro gram. Charged per unit.
Renters Liability Only
Amount for required Renters Liability Policy. Charged per un it.
Common Area/Clubhouse Rental
Amount to rent a shared common area space, including clubhou se. May be subject to availability. Charged per unit.
Situational Fees
Security Deposit - Additional (Refundable)
Additional amount, based on screening results, intended to b e held through residency that may be applied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit.
Returned Payment Fee (NSF)
Amount for returned payment. Charged per unit.
Common Area/Clubhouse Deposit (Refundable)
Amount to rent a shared community amenity space. Refund proc essed in accordance with amenity/clubhouse rental agreement. May be subject to availability. Charged per unit.
Trash Container - Replacement
Amount to replace trash/waste container. Charged per unit.
Late Fee
Amount for paying after rent due date; per terms of lease. Charged per unit.
Utility - Vacant Processing Fee
Amount for failing to transfer utilities into resident name. Charged per unit.
Early Lease Termination/Cancellation
Amount to terminate lease earlier than lease end date; exclu des rent and other charges. Charged per unit.
Positive Credit Reporting Services
Amount to send positive payment history to credit reporting agency(ies); per person. Charged per leaseholder. Payable to 3rd Party
Access Device - Replacement
Amount to obtain a replacement access device for community; fobs, keys, remotes, access passes. Charged per device.
Utility - Vacant Cost Recovery
Usage-Based (Utilities).Amount for utility usage not transfe rred to resident responsibility any time during occupancy. Charged per unit.
About The Standard (CA) Apartments
From the property listing:
Setting the Standard for Apartment Living in Willow GlenThe Standard is the perfect place to live on-the-go in a Silicon Valley neighborhood you can really make your own. Whether you're a tech-head whose second home is at your startup, an art lover who dreams of galleries and First Fridays, or an oenophile who never misses a Lincoln Avenue wine walk, you've found a spot that reflects all the best parts about living in Willow Glen. And your tribe will love kicking it here, too. With a rooftop deck, a party room and easy access to the light rail, the amenities here are anything but standard.
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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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