Best way to get affordable insurance on an older home

[Bradley Strack]

Just purchased our second investment property less than a mile from the beach in south Florida, everything going well, but insurance premiums are higher than I had estimated. The house was built in 1961, original plumbing, electric, and roof nearing its end (no leaks, but 14 years old). The insurance quotes I’m getting are saying that they won’t give flood coverage or water damage coverage without showing that we plan to replace the roof. Is there any way to get full coverage at a reasonable price? Should I keep shopping around or is there any easier way to find the best option for insurance (national insurance chain, local company, or broker)? Thanks for any help!