As mentioned before, I’d suggest using an independent insurance brokerage who can access many different carriers.

@John Chapman 1971 is considered newer to most insurance carriers. 

Most brands sell through various dealer networks (often called Master Dealer Partnership, or something to that effect) which means that there's a ton of extra cost for the brands like Rheem, Carrier, Bryant, to name a few. 

Same coverage at other carriers was almost 2-3X more expensive! 

I bought my own primary residence two years ago and fixed it up then sold it when I switched carriers and moved out of state.

If we move into arecession, make sure your Loan to Value is in a good position or youmay need to come up with some cash.14.Insurance-Identifyyour insurance carrier, the bank will want it insured.

But every case is different, and there is always the chance that your carrier will give you a major increase in annual premium, or a non renewal. 

I know they are things like DSCR loans and the like which carrier higher interest rates me into my cash flow like I mentioned, the beginning of post cash flow is what I am going after now.  

Also, to further protect yourself from large assessments, a condo owner can get what is called an HO6 or loss assessment coverage through their individual insurance carrier.  

As my team insures both investors and PM's, I'd add the following;1)  Most insurance carriers who insure PM's, require the PM to be added to the investors policy.