Inurance rates

[Jakub Bednarz]

When figuring out expanses, one thing that eats away most of my profits is insurance, but I assume pretty much same number for any size/year property: $1000/yr for homeowners insurance and $1000/yr for flood insurance (properties located around Houston area). What do you do? Is there any rule of thumb to improve those numbers, do you call to your preferred insurance company and get a quote on a lot of properties?