Wildfire zones, earthquake exposure and a habitational market that's shrinking fast have made California apartments one of the hardest risks to place. We put 20+ carriers that still write CA apartments in competition to beat your rate, and a real broker answers when you call.
We paid about $300 to get you to this page, and we intend to earn it. That’s why a real broker from Johal Insurance Brokers will call you back within one hour of submission. You won’t get a hundred calls from random brokers. You’ll get one call from us, and we’ll handle everything start to finish. Let’s get you saving on your property. Drop your info to the right.
If this is a brand new purchase, you can ignore this. But if you already have existing coverage, contact your current insurance company and request something called a loss run. It will be emailed to you and must be submitted when we quote. We recommend getting it now — whether you go with us or shop elsewhere, any broker will need it. This is one of the biggest things that slows down getting a property quote.
Three steps. One real broker. No call center, no runaround.
The quick form above — four fields, that’s it.
A real broker puts carriers in competition for your business.
A broker calls you within the hour with your options and straight advice.
Every name below sells you one policy — take it or leave it. We work for you, not a carrier, so we put all of them plus more A-rated companies in competition for your apartment building and make them fight over your price. Competition is how premiums come down.
Habitational premiums have climbed hard. If your renewal spiked or a carrier non-renewed you, that’s exactly when shopping 20+ carriers pays off most. These are the levers underwriters price on:
A complete apartment policy should include property, general liability, loss of rents (business income) and ordinance & law, with earthquake and wildfire/FAIR Plan considered where relevant.
Commercial property insurance costs vary widely by building type, location, and risk factors. Our clients typically save $300 to $800 per month by working with us. We shop multiple A-rated carriers, negotiate discounts on construction class, sprinklers, roof age, and occupancy, and help you avoid costly coverage gaps. See the full cost guide for your property type.
View Full Cost GuideApartment buildings and multi-family complexes across California — Los Angeles, San Diego, San Francisco, Sacramento and the Central Valley — including buildings other carriers decline.
We pick up when you call. We fight for your price at renewal, not just year one. And we tell you the truth even when it costs us the sale. If your current price is fair, we’ll say so. If you’re overpaying, we’ll show you by how much.
One licensed broker calls you within the hour. No call center.
See How Much I Can Save