Dallas-Fort Worth Apartments • Hail • Wind • Freeze

Dallas apartment insurance — hail, tornado wind and freeze exposure, handled.

DFW sits in one of the worst hail corridors in the country, and tornadic wind plus freeze events make Dallas apartments a placement challenge. We put 20+ carriers that still write DFW apartments in competition to beat your rate, and a real broker answers when you call.

Straight talk

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.

A real broker calls you within the hour
The Commercial Property Owner's Guide to Insurance Costs →
🧮 Estimate Your Property Premium →
See how much you can save
Four fields. No long form. A real broker reviews it and calls you within the hour.
No spam. No robocalls. One licensed broker calls you within the hour. CA, TX, IL & MO risks only.

How to Get the Fastest Quote Possible

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.

Sixty seconds to twenty carriers fighting for you

Three steps. One real broker. No call center, no runaround.

1Tell us about your apartment building

The quick form above — four fields, that’s it.

2We shop 20+ A-rated carriers

A real broker puts carriers in competition for your business.

3You pick the winner

A broker calls you within the hour with your options and straight advice.

Why a broker beats a single carrier

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.

They sell one policybiBERKHiscoxGEICOTravelersThe HartfordLiberty MutualChubbNationwideProgressiveState FarmAmTrustGuardWe shop them all + more They sell one policybiBERKHiscoxGEICOTravelersThe HartfordLiberty MutualChubbNationwideProgressiveState FarmAmTrustGuardWe shop them all + more

What actually drives your apartment building rate

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:

  • Hail — DFW sits in one of the worst hail corridors in the country; hail is the #1 driver of roof claims and renewal spikes.
  • Tornado & windstorm — spring severe-weather season means wind/hail deductibles and tornado-exposed pricing.
  • Freeze / pipe burst — Winter Storm Uri (2021) pipe-burst claims across North Texas; older complexes with exposed plumbing pay more.
  • Expansive clay soils / foundation — North Texas clay causes foundation movement; foundation condition and prior repair are underwritten.
  • Building age & updates — 1970s–80s garden-style stock; roof age, HVAC, electrical and plumbing update years matter.
  • Construction class — frame versus masonry changes the rate, especially in wind/hail corridors.
  • Liability exposure — pools, balconies, stairs and on-site laundry drive the liability side.
  • Valuation & loss of rents — Replacement Cost versus ACV, plus loss-of-rents after a wind/hail event.

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 Guide
Texas Wind & Hail Insurance Guide →

Who we insure

Apartment buildings and multi-family complexes across Dallas-Fort Worth — Dallas, Plano, Arlington, Frisco, Irving, Garland, Mesquite and Fort Worth — including hail-exposed complexes other carriers decline.

Also serving: Houston apartment insurance · All Texas apartments

We answer when you call — and we fight at renewal

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.

Ready to see what 20+ habitational carriers will do for your building?

One licensed broker calls you within the hour. No call center.

See How Much I Can Save