Looking for Calc number help in St Pete, Fl

[Tim Kaminski]

Started seriously analyzing multifamily properties for buy and hold. Couple questions for those privy. Looking in St. Petersburg, Fl. Current property is north of DTSP, between 275 and 4th st. Trying to find average insurance rate numbers to plug into the calculators. I'm strictly going flood zone X so not sure if flood insurance is needed or if it is, how costly it would be. This is an FHA so don't believe I can buy using LLC. Therefore, I'm assuming I would need homeowners insurance AND an umbrella policy. What I'm trying to find is an average number to plug in or do I have to contact an insurance broker per each possible deal to give me a number? Assume I would have to setup umbrella policy BEFORE closing deal? Using 8% vacancy 10% CAPEX 10% repairs and maintenance Trying to determine if my numbers are off. Any help is appreciated. Thank you.