Insurance quotes

[Mason Keith]

I've been searching for a good insurance company for my rental.  So far prices have been surprising to say the least.

I saw others saying their policies covering around $150k with $1M liability paying $500ish. Are these just great rates?

What I've gotten so far:

USAA

Dwelling: $283k (USAA only does replacement)

Fair rent: $28k

Liability: 300k (Plan on making $1M)

Deductible: $2k

Total annual premium: $990

So far all other companies are insuring the property for less and charging me more.  The thing is the $283k figure is asinine.  My personal home which is bigger, nicer, in more desirable neighborhood has a lower replacement estimate.  

Are there any nation wide companies I should be looking into that offer these prices I read or have prices sharply risen recently?  I've called State Farm, Allstate, and Progressive so far.