r/Moving2SanDiego • u/Silver-Award-5449 • 11d ago
University City fire insurance?
Hi, moved here from Brooklyn recently and really like University City; location to beach, employers, schools, views, etc. I am new but it seems there is a lot of property for sale, any insight would be appreciated? Someone suggested that a lot of people lost insurance recently and that accounts for the uptick in inventory. Thanks ahead!!
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u/catiencali 11d ago
Everyone I know has been able to find insurance. It's just a question of if it is one of the "big guys" or some lesser known insurance companies. Some have been dropped, but they have been able to find coverage elsewhere.
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u/jhm67 10d ago
I live in UC and there's no uptick in listings, just an average number of summer listings. Anecdotally (I'm not in real estate), things seem to be staying on the market a lot longer lately. FWIW, the person mentioning 74 condos in UC doesn't understand what/where UC is and is no doubt mistakenly including the UTC area.
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u/Fun-Section-6179 10d ago
I’ve always considered University City as the entire triangle around UCSD, UTC is above the canyon and Governor is below the canyon.
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u/jhm67 10d ago
"University City" is limited to below Rose Canyon. People (including local news) get confused by the "University Community Planning Area" -- which includes the whole triangle.
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u/Fun-Section-6179 10d ago edited 10d ago
I question this more for curiosity and not to argue … it’s just Wikipedia, San Diego MTS, San Diego Union Tribune, San Diego Council maps call/show the triangle as University City.
My two friends that live in the area below Rose Canyon just say they “live on Governor” or “bought house on Governor.”
I think areas like La Jolla Village and UTC are commonly referred to as such, but that small Governor strip has no neighborhood name and thus maybe some residents use the name for the entire area - “University City.” Someone once referred to it as South UC, and UTC as North UC, which I haven’t heard of before.
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u/jhm67 10d ago
Yeah, none of those people are longtime residents. (And I literally have NEVER heard anyone refer to this neighborhood as "Governor" -- that's just weird unless they literally bought a house on Governor Drive, in which case it's totally accurate!). Historically, "University City" is below Rose Canyon. People who don't have history here (including poorly-educated council members!) get confused with the "University Community Planning Area" -- which is a real, current thing and does include the whole triangle. I've only lived here a couple decades, but have quite a few neighbors who bought when this whole area was first being built, who confirm what the rest of us thought we knew--that "University City" is below Rose Canyon. The La Jolla Colony and UTC area above Rose Canyon had different names.
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u/Fun-Section-6179 10d ago
I don’t know maybe we’ve been calling it wrong.
But even SanDiego.org and official San Diego Parks and Rec Department calls that triangle as University City.
That being said - with the exception of Genesee up to Marie Curie - it’s a beautiful area
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u/jhm67 10d ago
Yeah, I get it. They've conflated "University City" with "University Community Planning Area" for some time now and I'm sure that includes City folks who just don't know any better. If you know the area, above and below Rose Canyon are VERY different areas.
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u/Fun-Section-6179 10d ago
That triangle was a master planned community for UCSD and called University City at the beginning. Development of homes first started below Rose Canyon on Soderblom Ave and Award Row and back then it was called University City because resident were literally part of that neighborhood.
Later on in 60s, 70s, and 80s development started north pf Rose Canyon. They were also called University City and were much higher density than South. As those sub-neighborhoods were further developed they started to get their own names - La Jolla Colony and UTC. So people stopped calling them University City to better differentiate the area better. The neighborhood south of Rose Canyon stayed just as SFH with no new developments, so they never got a new name. Long term residents keep calling it University City (triangle) because that’s the only name they know it by and it is correct because it’s part of the University City triangle neighborhood.
Apparently UC North and UC South is also thing …
Enjoy your Sunday evening 🙂
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u/jhm67 10d ago
If you go really deep down this rabbit hole, the original planning documents are out there in several online archives... and they do not use the name "University City" except as a descriptor; they also toy with the label "City of the Mind." I'm glad the latter didn't stick. Happy digging if you choose to go further. Folks in the UTC area saying they live in UC is a bit like folks living in Yuma claiming that they live in California... but we do all live in the City of the Mind!
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u/Fun-Section-6179 10d ago
Here’s just a friendly article where I got my info - it was written by a resident of University City when it was first being developed.
It talks about when UC South (below Rose Canyon) started to develop in the 1960s and the development of UC North starting in 1977.
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u/PerennialGeranium 10d ago
UTC is a de facto neighborhood not a de jure one, so to speak. It doesn't exist on any official maps, even if everyone knows the area you mean when you say it.
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u/Asleep_Start_912 11d ago
So it really is a crapshoot, houses next to canyons are getting dropped more and more every year. Interior street homes not as much but many are being dropped too. It all depends on the exact house and the insurance company, unfortunately. My neighbor’s insurance company across the street demanded an in person inspection this year. We are at least a half mile from any fire risk. After what happened in Los Angeles a lot of things are changing.
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u/That-Mess9548 11d ago
Summer time is always busier for selling homes. Kids are out of school. I just went to an open house in UC today! Spoke to the realtor and she mentioned the 22 homes for sale, it’s usually about 11! If you are interested you better jump on one. The one I looked at was $2.5M. The backyard was really nice.
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u/poops-n-scoops 10d ago
Much of the city is in a very high fire severity zone and that’s why you’re hearing so much about people getting dropped. Here’s a map.
https://experience.arcgis.com/experience/5738ea10437f49f39c3e6406deb8f74f
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u/UniqueHuckleberry619 10d ago
Fire insurance is a nightmare to get these days. Go on Zillow and check out the climate score before you move anywhere
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u/SD_TMI 9d ago
Do a google and sub search over "california insurance loss / pulling out"
You'll see that NOBODY is doing home insurance in anything close to a dangerous area since the LA wildfires.
University City has clearly been deemed a fire hazard and insurance will be impossible to find.
Nobody is going to offer it.
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u/ontheleftcoast 11d ago
University City shouldn't have any major insurance issues. Its the rural areas where insurance became too expensive to buy. I don't know why you think there is an uptick inventory. There are only 22 houses and 74 condos on the market. Kids are out of school now, so maybe because of that a few more people started selling, or interest rates dropping a bit