Getting Eaten Alive on Insurance Costs--Help!

[Alfred Litton]

Hi All,

I own 4 SFHs each purchased in the last 7 months for approximately $85-$95K in the Wichita Falls market.  Problem is, the insurance is a killer!  Each property is running me around $1400-$1900 per year in premiums with a 1% deductible for RCV coverage. Even raising the deductible to 2% on each isn't much help.  Am I just cheap, or does this seem excessive to you all? 

I'm pretty sure this is a function mostly of the insurance companies' estimates for replacement costs.  ($140-$165K on these properties.)  I've shopped some different agencies, but not much luck getting lower premiums.  Is this normal or does it strike you all as expensive?

Thanks.