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    APA Insurance Services

    5.0 (16 reviews)
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    2 years ago

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    2 years ago

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    9 years ago

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    7 years ago

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    8 years ago

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    7 years ago

    Karen Stetz is one of the best, if not the best, person I've worked with in the 25 plus years I've been a photographer!

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    7 years ago

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    8 years ago

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    7 years ago

    Karen was great help, and helped me get the type of coverage that suited my gear and myself best.

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    8 years ago

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    Ed G.

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    14 years ago

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    8 years ago

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    13 years ago

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    13 years ago

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    Ask the Community - APA Insurance Services

    Review Highlights - APA Insurance Services

    APA Insurance and Karen Stetz made getting insurance for my photo equipment easy and very informative.

    Mentioned in 7 reviews

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    Farmers Insurance - Pankaj Gandhi

    Farmers Insurance - Pankaj Gandhi

    (5 reviews)

    I had been a client for another big name nation wide insurance company for 15 years. I have been…read morerelatively quite satisfied with them until I met Pankaj and he offered me a friendly review of my insurance coverages and offered that he may be able to reduce my premiums. At first I was very apprehensive as I knew my premiums were already quite low given I had excellent track record with my home and auto and I was with them for almost 15 years however I still gave Pankaj a try. When he ran my numbers, I was very pleasantly surprised that he was able to get all my premiums and overall insurance cost down with Farmers by atleast 20%. It was a no brainer for me to switch at that time. What I really like about Pankaj is that he not only works very hard to get you the best possible deal and value with respect to insurance, he is also very knowledgable in all types of insurances - Life, Auto, Home, Business General Liability, Business Error and Omissions etc. I have since then called him several times to take his advice on different types of insurances and he ALWAYS picks up the phone and answer all my questions with lot of patience. His knowledge and customer service has been by far the best among all the insurance agents I have worked with in last 15 years. I can say that one of the biggest reason beside his quotes, I decided to move all my insurances to his recommended carriers was due to his excellent customer service. Now I recommend him to all my family and friends as I can trust him that he will take very good care of them.

    Friendly, Always available, Competitive rates are some good attributes of Pankaj. Been with Pankaj…read moresince June 2018, after 23 years with State Farm! But whats "Excellent" (above all) is the Farmers Experience. Recently had the misfortune of totaling a Prius. Overall, It was a rough time dealing with the total loss as we intended to drive the car for another 6-8 years or so. With the professionalism, communication skills, knowledge and efficiency of the Farmers Claim agent help (Ms.Stephanie) and their preferred shop (Ed Voyles Body Shop -Mr.Heath) the process of claims management and the blow was softened. Within 12 calendar days, the payment was EFT'ed to my account. It was a very reasonable settlement (Kbb Good Value+Kbb Very Good Value/2). Thank you Pankaj, and thank you Farmers!

    APA Insurance Services - insurance - Updated May 2026

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