How to reduce property insurance premiums?

[Chris Blank]

Hi fellow investors,

I have multiple SFH investment properties in NC and it seems like every 6 months the insurance premiums keep creeping up. The property values in our town have seen a sharp rise in the last two years and our insurance company is now using a BS and greatly inflated 'rebuild cost' estimate to justify their increase in premiums. I do not file any claims and the increase in premiums are lowering my monthly cashflow. Seems like everyone else is profiting from my hard work and risk.

Is there a way to just use one 'umbrella policy' to cover my rental property insurance needs...or a better way that keeps my insurance premiums at a reasonable level? Any help is greatly appreciated. 

Chris