In addition to what John said about deductibles, watch out for separate deductibles for different perils, higher wind and hail deductibles are common now in the Midwest, really try to avoid a percentage deductible if possible vs a flat dollar amount. 

Each have a flood policy (around $700/year) and each have a dwelling policy that include wind and hail. 

If you do not have this you are at risk where if your property is damaged through natural disasters such as hail and tornado's, household issues like electrical fires, or vandalism in many if not most policies as well as liability issues.A umbrella policy is built to supplement your landlord policy. 

Roofs:  shingles are rated for 25, 30 and 50 years, but rarely does one last that long in a market with extreme temps or hail storms.  

Florida has huge wind/hail exposure which makes it a cat state and we generally have to find excess and surplus lines carriers to insure the larger multifamily properties.

When discussing this project with a women at my local grocery store who hails from Newark originally and still has family there, her exact comments were, "Ooohhhh, you built an apartment complex in Killaville."

I only have 11 houses left to sell but they are 175 to 225k market value so I have full flown insurance on those.. the major issue in the mid west is wind and hail from my experience

Some companies charge a 1% wind hail deductible, others don't (yet)And finally, I assure you if an agent won't take your call at 4 or 5 your time?

Hi all,I was going to ask a question in another forum but felt it might be more appropriate to introduce myself first.I'm Wesley, hailing from Walnut Creek area.

Just about every part of the country experiences freak accidents (hurricanes, mudslides, tornadoes, hail storms, etc.).