yes, MN has hail.

I'm hailing from a suburb of Denver Colorado.

My roofs get replaced with an insurance claim (lots of hail storms in Texas) and I expect AC/Heaters to last 12-15 years so that is usually easily covered in one year of positive cash flow for a unit when I am still paying a loan and covered in 4 months or less of positive cash flow once the property is paid off.My small multi-family (duplexes) are usually built in the 80s......not NEW!

I'm in a similar situation as you, hailing from the Boston - New England area and looking into out-of-state investments.

If a policy excludes wind coverage (more common in places like Florida where insurance is severely strained by weather and other market conditions) then all wind related events are excluded.In those cases, it's sometimes possible to purchase a wind policy (usually covers wind & hail) which would provide tornado protection.

I just had my primary residence re-shingled after a hail claim. 

Tried to go with Fire and Personal Liability (removing Wind and Hail) to reduce cost but haven't found any offerings.I wonder if other landlords/investors have some good strategies to tackle this challenging environment.

Quote from @Hai Le: Hello, I currently have 2 rental properties in upstate NY and I am looking to purchase more in the near future.

Hi @Haile Shavers.

The Landlord insurance policy quotes I am receiving has a high deductible for Wind/Hail/Named Storm coverage which effectively means replacing the roof would be out of pocket for me which defeats the purpose of carrying this insurance.