For toilets, don't overpay for premium brands!

Hello,
First post here, but regularly scroll through BP for it's great real estate advice! 
I bought a 1.4M, 7 unit property in Revere, MA 4 years ago, and used FHA Multifamily loan 25 year term, 30 year amort, 25% ...

Yes dell you will be spaying a premium for appliances this year due to covid 19

@Hunter RademacherYou’ll see that it’s the same for the insurance premium.

. :)I was about to edit my post to mention the EDDM. 

I am editing this to add: your most important resource is your local Multi family/Rental owners associations.

This will continue to cause rents to increase as investors will demand a higher risk premium and renters will be hurt in the long run. 

At only $20/month, that's a policy with a premium of only $240 for a year.

Business friendly states can make a large difference in cutting through the red tape.Also if your concept is retail inline in a strip center versus a stand alone can affect timelines and availability of premium expansion option locations.

I understand for rentals and rent-to-own perhaps the flood zone would cause the insurance premium to go higher, but is there any other reason i should be concerned about park in a flood zone?