If it is so low to cover this you should consider getting your deductible raised as it will really reduce your insurance premiums. 

There are countless other endorsements that you can elect on a case-by-case basis to suit your specific needs, potential exposures, and financial ability to take a hit without risking insolvency.As far as price, it will depend on coverage amount (building limit, liability coverage amount, etc), but make sure to understand any coinsurance provision before you attempt to minimize premium by reducing building limits.

Unfortunately, this also means that 4plexes can often carry a high premium per unit as they will still cash flow.

In his ideal situation he gets bought out for a premium as the university inevitably buys the entire northern part of the city, kidding (well kinda).

Hi Chris, as you have mentioned insurance companies are starting to calculate the age on roofs based on permits with the city and not from when it was actually installed roofs are going at a premium know.

The State farm deductible is a little high but some people like the lower premium.

Insurance companies like to collect premiums and deny coverage, don’t give them an easy way to deny.

My thinking is that if I can purchase a rental that will return me 12% or more cash on cash, why should I care about paying a 10% premium in this market? 

I feel like there should be a premium on rent and a penalty for reducing term, obviously they disagree.

Seller is paying $1750 per year premium and our quotes are coming back at $5000+I need some help as this would cut into operating margins.