Help! Multi family insurance quotes are crazy high!

[Max Amillion]

I’m new to multi family and looking to purchase 2 buildings on one parcel. Each building is located in Missouri and 9 units so 18 units total. We currently have history and experience in single family home rentals but not multi family. With building costs through the roof I get replacement costs being higher but, the replacement costs are coming in double what the market value is for the property. The premiums are going to kill the deal! Any suggestions of a good company with reasonable premiums. One that is NOT going to be problematic if we ever do have to have a claim. Basically I just want to be able to have walk away money of what we are paying in case of a total loss along with only having claims that would be above the $10,000 threshold and above. I’m only looking for highly rated insurance companies. Any advice or suggestions would be greatly appreciated!!!