Earthquake, wildfire, and liability coverage built for multi-unit property owners. Licensed in California.
No obligation. We compare carriers so you don't have to.
Or call us directly: (805) 380-5564
Parm will personally call you within 2 hours with your custom quote and coverage comparison.
California apartment owners deal with unique exposures — from seismic activity and wildfire zones to aggressive tenant litigation. Generic commercial policies leave gaps that can cost you everything.
We shop 20+ carriers to find you the best rate and coverage.
See exactly what each policy covers — no fine print surprises.
Parm Johal handles your account personally. One call, one person.
We understand the California market — rent control, Prop 13 implications, seismic retrofitting, and FAIR Plan supplements.
Standard policies exclude earthquakes. We pair your property policy with CEA or surplus-line earthquake coverage tailored to your building's construction type.
If your property is in a brush zone, we navigate FAIR Plan placements and wrap-around policies so you're never left exposed.
AB 1482 and local rent ordinances create unique liability. We make sure your policy covers regulatory defense costs and tenant disputes.