It is similar amongst brokers, a broker has access to approx. 40+ carriers, had lunch with mine today. 

  * Roof:  If the roof is older 8+ years "some" carriers might ding you for this and increase the rate even more.All that being said, if none of these are issues, then I'd expect you to see a rate in the .60 cent range from most carriers for a non-coastal TX property.  

Hi everyone, I work for a new carrier focused on rental apartments (single and multi-family properties).We're on a mission to create a better insurance product for landlords/real estate investors. 

Flood insurance is a separate policy that you purchase and they sometimes come with a 14 day waiting period or a 30 day waiting period depending on the carrier.

Would have to compare the two to see exclusions as each carrier is different.

keeping the flips & buys together forces up the insurance cost because you have so few insurance carriers interested in your mixed portfolio. 

There are some really big differences in costs between various carriers and what they will/will not cover. 

If you do get stuck with Citizens remember they only offer 100K liability, you'll have to buy an excess liability policy from another carrier to get higher amounts.When buying a property here, allow for the expenses of updates to make the property insurable.

You can't charge for ESA's/Service animals UNLESS 1) the breed increases costs via your home insurance carrier or HOA (you can pass the increased cost difference down to your tenant, if they do not accept, you can deny); 2) the animals cause damage to the property; 3) The animal is a danger or is a health risk to other Tenants in the bldg. or to you if you live in the bldg. i.e. animal has bitten someone or allergies or animal is poisonous, etc.; 4) Animal size is too large to accommodate i.e. a horse, a 200lb. dog in a single room rental.  

I have recently joined a new insurance carrier that specialized in rental properties (you may have heard our ad on the podcast).