How do you estimate insurance on a multifamily when evaluating

[Larry H.]

How do you estimate insurance when evaluating a multifamily property, without calling an insurance agent. I evaluate quite a few deals, but that is the one thing I haven't really figured out. I have quads, duplexes, and SFH and comparing the insurance doesn't really help. Our duplex is almost as much as our quads, and if I multiply our SFH times 4, that is much more than what we pay for the quads.

I am evaluating a multifamily deal in Huntsville, AL and my insurance guesstimate is way over what was provided by the seller's agent.  But the amount provided by the agent seems unrealistically low.