What Insurance Does a 12-Unit Apartment Building Need?
A practical checklist for owners of a 12-unit building — the coverages that matter, the ones people forget, and what underwriters will ask.
Insurance Solutions Across Multiple States
Commercial property and apartment buildings with six or more units, garagekeepers, used car dealers, auto and recreational coverage — quoted by a bilingual agency that works across 30+ states.
Apartment buildings with six or more units
Owners of larger residential buildings need more than a landlord policy. We quote commercial property programs for walk-ups, garden-style communities and mid-rise buildings: the building itself, premises liability, lost rental income, equipment breakdown and ordinance or law coverage where carriers offer it.
Bring your rent roll, the year built and your last five years of losses, and we can start shopping the account the same day.
Garden-style apartment community with two-story buildings
Repair shops, body shops and used car lots
When a customer’s car is on your lift or your inventory sits on an open lot, the wrong policy leaves a gap. Garagekeepers covers vehicles you hold for customers. Dealer programs can combine liability with physical damage on the cars you sell. We explain which is which before you buy.
Auto repair shop with a car raised on a lift
The vehicles you drive every day
Pickups, SUVs and four-wheel-drive vehicles are what most of our personal auto clients drive. Personal auto is quoted on this site in the states listed on each state page; Florida and Texas drivers are served by our regional site.
Full-size pickup truck in a suburban driveway
Compact SUV parked on a city street
Four-wheel-drive SUV on a mountain trail
Travel trailer hitched to a pickup at a wooded campsite
Every coverage we quote here
Availability changes by state. Choose your state above for the exact list.
Looking for something else
Three sites, one team. We point you to the one that quotes your kind of risk.
Trucking, transportation and contractors
Cargo vans, box trucks, hot shot, semi trucks and contractor insurance (commercial auto, general liability and workers' comp) are quoted by our specialist team at dannyruizmyagent.com.
- Contractor Insurance (Auto, GL, Workers' Comp)
- Cargo Van Insurance
- Box Truck Insurance
- Hot Shot Insurance
- Trucking & Semi Truck Insurance
Personal insurance in Florida and Texas
If you live in Florida or Texas, personal auto, ordinary commercial auto and recreational coverage are quoted at dannyruizinsurance.com. Commercial property, apartment buildings, garagekeepers and dealers stay here.
Tell us what you need covered
A licensed agent reviews every request. Coverage, eligibility and price depend on underwriting.
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Insurance guides
How to Request Insurance for a 24-Unit Apartment Building
The documents and details that get a 24-unit building quoted quickly — and the questions that slow it down.
Garagekeepers vs. Garage Liability Insurance
Two coverages with nearly the same name protect completely different things. Here is how to tell them apart — with examples from real shop situations.
Tell us what you own, drive or run — we’ll take it from there
Call, message us on WhatsApp or request your quote online. We work in English and Spanish.