This will be my first time getting into real estate. Live in NYC but cant afford here so thinking of going NJ .I have 190,000 mortgage trying to look for a cash flow positive property. When doing the numbers I having trouble figuring out the insurance cost. 

How do you find out how much the insurance will be? 

Should I use a real estate agent or do it without?(yes or no)

if yes - what should I look for in a real estate agent? 

thank you.