insuring MF units

[Marwan Marzagao]

I am currently looking to insure two properties, a triplex and a six plex.  I am not having much success locally to find carriers that will insure them.  I am being asked if the units have students in them, which seems to affect the rate and then getting a replacement cost and a coverage quote that are very different, lastly I have some agents that I spoke with that never call back? In previous years I did not have these challenges. Has something changed with insuring rental properties?  Any insight is appreciated.