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Commercial insurance rates for apartment buildings are determined by a variety of factors. The most important factor is the type of building. Class A buildings, which are the newest and have the best amenities, will have higher rates than older buildings. The location of the building is also a factor. Buildings in high-crime areas will have higher rates than those in safe neighborhoods. The number of units in the building is another factor. The more units there are, the higher the rate will be. Finally, the value of the property... more