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Abram Interstate Insurance Services, Inc.
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Abram Interstate Insurance Services, Inc.
Contact Us
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Apartment Building Owners Insurance

Apartment Building Owners Insurance 

Overview of the Program From Abram Interstate Insurance Services

Abram Interstate Insurance Services, Inc. offers a specialized Apartment Building Owners Insurance program designed to help independent agents place coverage for residential rental properties. As a Managing General Agency (MGA) with access to multiple carriers, Abram Interstate provides flexible underwriting solutions for a broad range of apartment building accounts. This program is ideal for agents seeking reliable markets for non-admitted placements in Arizona.

Ideal Accounts and Appetite

This program is tailored for owners of small to mid-sized apartment buildings, multi-unit residential complexes, and rental property portfolios. Whether your client owns a single 4-unit building or a larger 20-unit complex, this program can accommodate a variety of risk profiles. It is especially suitable for:
  • Independent landlords and property investors
  • Apartment complexes with professional property management
  • Properties with some prior claims history (subject to underwriting)
You might have a client who recently acquired a multi-family property in Arizona and needs quick access to crime and liability coverage. Or perhaps your client is expanding their rental portfolio and needs a carrier that will consider multiple buildings under one policy. This program is built to help you serve those needs.

Coverage Highlights and Advantages

The Apartment Building Owners Insurance program offers essential protections for property owners. Core coverages include:
  • Crime – Protects against tenant theft, employee dishonesty, and other criminal activity affecting the property.
  • Liability – Covers bodily injury and property damage claims arising from the premises, helping your clients manage tenant and visitor exposure.
Additional coverages and endorsements may be available depending on the account and carrier selected. The flexibility of Abram Interstate’s carrier access allows agents to tailor coverage to meet each client’s specific property and risk profile.

Underwriting Notes and Minimum Premiums

Minimum premiums vary depending on the carrier and account details. The program is non-admitted, allowing more flexibility in underwriting criteria. Accounts with some loss history may still be considered based on the overall risk profile and mitigation steps in place.

Key underwriting factors include:
  • Year built and recent updates to electrical, plumbing, or roofing
  • Tenant profile and occupancy rates
  • Use of property management services

Territories and Availability

This program is currently available in Arizona. Abram Interstate continues to evaluate opportunities to expand, but at present, all submissions must be for Arizona-based apartment buildings.

Why Work With Abram Interstate?

Abram Interstate Insurance Services, Inc. is known for its responsive service, underwriting expertise, and broad market access. As an MGA, Abram Interstate works closely with agents to find solutions for risks that may not fit in the standard admitted market. Their apartment building program allows you to offer your clients competitive options backed by various experienced carriers, even in challenging risk scenarios.

To learn more about Abram Interstate’s capabilities and other programs, visit their company profile.

Frequently Asked Questions

What types of accounts are a good fit for this program?

This program is ideal for owners of small to mid-sized apartment buildings, including independent landlords and professionally managed properties in Arizona.

Is this an admitted or non-admitted program?

This program is written on a non-admitted basis, offering greater flexibility for unique or hard-to-place risks.

What coverages are included in the program?

Core coverages include crime and liability, with options for additional protections depending on the account and carrier.

What information is needed to submit an account?

Basic submission requirements typically include property details, year built, updates, loss history, and occupancy information. Contact Abram Interstate for specifics.

Is this program available outside of Arizona?

No, at this time the program is only available for properties located in Arizona.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency
  • Carriers:

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CONTACT INFORMATION

LOCATION

2211 Plaza Dr., 100
Rocklin, CA 95765
916-780-7000
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Abram Interstate Insurance Services, Inc. has other insurance programs like Agribusinesses Insurance .