I am closing on a multi next week and I want to exercise the insurance market on pricing for insurance. I have State Farm on some of my properties now but their pricing seems high. I am looking for recommendations from fellow BP's that have worked with insurance agents that serve the NJ market for investors with success. I am looking for someone who can do multiple properties; offer a hefty umbrella across numerous properties; and also do Builders Risk vacant home when I rehab. An independent may be the way to go versus the name brand firms but not sure. Any NJ recommendations ??