Being listed on the policy AT MOVE IN as Additional Interest (not Additional Insured, but that is another discussion) is key.

I've been building this portfolio for 15 years and have NEVER HAD AN INSURANCE CLAIM! 

Please let me know if you recommend any good brokers or carriers for multifamily apartment buildings in Bakersfield, CA since insurance rates have gone up!

Additional Insured adds you as an Insured on the policy meaning you are extended coverage. 

Insurance is an estimate until you get a quote, but a quick call to an agent with the address will give you a realistic number in minutes.

i have E&O insurance but i also wanted to get insurance as a owner/agent seller and insurance if the contractor did a poor job.

I have several insurance brokers/agents depending on the asset and strategy that's I've personally used for my own portfolio in NJ.

Things are just too tight right now, and then when they're not tight, no one probably wants to spend them money for a possible NOI increase due to insurance decrease.Almost no one did solar with the same model ideas.Is your syndicator guru on board? 

I assume if everybody’s insurance in the area increases significantly everybody will increase their rent, same as if property taxes increased.

Technical Answer: You should always get a copy of their license, liability insurance, and worker's comp insurance.