In those areas the rates you quoted are normal.

Hi,I'm looking for landlord insurance for a couple rental properties (SFHs) in NorCal (Manteca, Tracy, Lathrop area), and was looking for good investor-friendly providers at competitive rates.

Hi all,I am currently house hunting for my first home in the Aurora, CO area and am interested in finding something with a finished basement that I could create a separate entrance for (assuming one doesn't already exist) and rent it out to tenants and make a dent in the mortgage payment given this high interest rate environment.

Sean,The rental dwelling market for many areas in the Northeast have seen both rate increase and Insurance companies pulling out.  

Dayton has more cash flow - and Columbus has a higher predicted appreciation rate 

High property taxes might be offset by better rental rates, or vice versa.

Any conventional loan products for property in a flood zone (not sure what flood zone 9 is) requires flood insurance, which can be very expensive, and rates have been rising each year. 

Who knows, but the opportunity to keep a $10k non-refundable deposit when your partner decides not to fund is a slimy business model in my view.Separately, I had a very friendly conversation with one of their reps some time ago and we discussed pricing.

Happy to continue the conversation privately too if you want more dialogue on this, send me a connection request and we can go from there.

If due on the 1st, do you pro-rate the tenant's portion of the rent for the remainder of the month when the lease starts and also prorate their portion for the days in the last month up until the lease expires?