Apartment Insurance Built for the California Market You're Actually In
State Farm exited. The FAIR Plan is repricing. New liability laws hit in 2026. Get an instant premium estimate for your multifamily or apartment property in about 60 seconds — before your renewal notice ever arrives.
- 28 carrier partnerships
- Available in 45 states
- A- or better rated carriers
Every Apartment Owner in LA County Is About to Get Hit With One of Three Things
The California multifamily market changed under you this year. Most owners find out at renewal — when their options are worst.
Non-Renewal Notices
State Farm walked away from commercial apartment coverage entirely — 42,000 policies dropped. If you’re on notice, the placement window is 30-60 days before it closes.
35.8% Rate Hikes
The California FAIR Plan just filed for a 35.8% rate increase. Every carrier still writing California multifamily is repricing quarterly — and they’re getting worse.
New Liability Exposure
AB-628 and SB-610 (effective January 2026) added habitability and disaster-response liabilities that most existing policies don’t cover. You may already be underinsured.
“Owners who wait until their renewal notice arrives are asking carriers to look at their building at exactly the wrong moment — under time pressure, at peak rates, with fewer options.”
Built for Exactly This Market.
A specialized, limited-distribution program for owners of multifamily and apartment rental properties in California and 44 other states.
Coverage Highlights
- Shared Loss Limit up to $750M
- Per-Location Blanket Coverage
- Available in 45 States
- 115% Margin Clause
- $100K Business Personal Property Included
- All-Risk Coverage (excludes Flood, Earthquake)
- A- or Better AM Best Rated Carriers Only
- Terrorism Coverage
- Equipment Breakdown Coverage
- Replacement Cost Coverage
- Named Storm, Wind and Hail Coverage
- 365-Day Extended Period of Indemnity
- Ordinance or Law Coverage
- Coverage A Included
- Coverage B & C up to 20% of Building Value or $10M
- Coverage D up to $500K
Who This Is For
- Apartment Buildings
- Multifamily Properties
- Commercial Rental Properties
- Mixed-Use Buildings (Retail + Residential)
- HOA / Condo Associations
- Multi-Location Property Schedules
- Real Estate Investors
- Asset Management Companies
A Faster Path From Property Details to a Real Quote
No 6-week underwriting delays. No mystery about where you stand.
Enter Property Details
Submit your property address, square footage, and year built. Takes 60 seconds.
See Your Instant Estimate
Get an estimated premium range delivered to your inbox — with the full breakdown of what determines your final number.
Request a Real Quote
If the estimate is in your ballpark, request a formal quote review. Our specialists start binding the coverage.
Why Knowles & Company Insurance Services
A modern property insurance broker built for owners, investors, and asset managers who need real answers — not sales calls.
28
carrier partnerships in our apartment and multifamily program
45
states where we can write coverage
2001
serving Southern California since
$0
cost to get a review
Knowles & Company Insurance Services has served Southern California property owners since 2001. Our apartment property program provides direct access to 28 active carriers — including specialty markets other brokers can't reach. Licensed in 45 states. Based in Westlake Village, CA.
Ready to See Real Numbers?
Two paths — pick whichever makes sense for where you are.
Request an Official Quote
Fill out our short property application. Our team reviews and submits to our 28-carrier program. You get real, bindable quotes within days.
Note: A real bindable quote requires your 5-year loss run and current declarations page. We'll walk you through what's needed on the intro call.
Talk to a Specialist
Not ready for a full application? Book 15 minutes with one of our apartment insurance specialists. We'll answer your questions and help you decide next steps.
Schedule a CallCommon Questions
The estimate is calculated from your building’s square footage, year built, and property type using industry-standard formulas. It’s a real ballpark — but your actual bindable premium depends on your loss history, current coverage structure, and underwriting factors specific to your property. Think of the estimate as a starting point, not a quote.
Our program was specifically designed to write risks other brokers have walked away from. Older construction, prior claims, specific zip codes — we have carrier capacity where most brokers don’t. If you’re already on notice, timing matters: most carriers want to review declined risk within 60 days of non-renewal.
A loss run is a summary of your property’s insurance claims history over the past 5 years. Every carrier requires it before offering a bindable quote — it’s the single biggest factor in determining your final premium. Your current insurance broker or carrier can provide it upon request. We’ll help you get it if needed.
Our apartment and multifamily program includes 28 active carrier relationships and access to specialty markets that don’t work with generalist brokers. When you request a quote through us, we submit to the carriers best-suited to YOUR building — you don’t have to shop it yourself.
None. The estimate is free. The quote review is free. We only get paid if you decide to bind coverage through us — which means our incentive is to find you the best carrier fit, not to close a sale.
Knowles & Company Insurance Services is headquartered in Westlake Village, CA at 5707 Corsa Avenue, Suite 106. Licensed in California under Agency License #0M64219. Our apartment and multifamily program is available in 45 states.