$800 is probably pretty good in general - depending on your level of coverage which is the most important piece as rental dwelling policies can vary GREATLY

However, if there is a dwelling on the property there is 1 year from the auction date to cure the loan. 

Our home mortgage is at 2.5%, so it would instantly cash flow if we rented it.

I agree with Ken, get some costs and see if it's worth it but depending on how old the roofs are on your dwellings if you have a claim and replace the roof your rating might not really change. 

Instantly your investment properties are worth 40-50% more than retirement accounts. 

All this being said, these coverages are much more likely to be available on a homeowners policy vs. a landlord/dwelling policy.

eg, 300K liability, 20K theft, 200K dwelling, etc.

One was even able to retire recently, so that may be a better area for instant cash flow. 

Upgraded windows, landscape work and made two separate dwelling units.

I’ve cohosted in several markets all as medium term or hybrid (STR/MTR) and here’s what I’ve done: - Made the lease between the owner and the tenant- Owner collects the rent and the cohost charges their fee to the owner monthly- Small maintenance items under $300 were instantly approved per my cohosting agreement but larger items had to be coordinated with the owner because in some markets you have to be a licensed real estate agent or broker to facilitate property improvements on behalf of the owner