Landlord insurance in Kansas City, Mo

[Gianni Laverde]

Hello Biggerpockets community, I am looking at pulling the trigger to purchase a Duplex in Kansas City. I am still really confused about whether insurance is paid with the Mortgage or it's paid separately which affects my calculations on cash flow. Anyway, I'm wondering what current investors in Kansas City are paying for homeowners/landlord insurance. From the Proforma i got from my broker, it quotes $60/month for a $156.000 duplex. It has 2 3/2 units and it was built in 1974. Is it realistic? I called GEICO and they are quoting at $125/month, which is twice as much as what it was quoted. Im wondering if there are other companies that focus solely on Landlords insurance and can offer etter rates and coverage in comparison to the big companies that offer several products.

Thanks in advance for your feedback.