Out of State Investment Home Owners Insurance

[Konrad Lightner]

I live in California, and am looking to purchase a 4-plex investment property in Minnesota. 

 Once the the insurance company I was working with realized I live out of state, and that they wouldn't be able to also carry my auto policy, the prices skyrocketed from ~$2,000/year to ~$9,000/year, which would put me upside down on the property I am looking to purchase.

Does anyone know what is causing this, other ways to pursue out of state insurance, or insurance companies that would be interested in this type of risk without an auto loan?