How much should Insurance cost for rental units?

[Michael McConlogue]

I have single family and Duplexes and I have been shopping around and I am surprised and the differences in price and coverage. Just wondering what the BP community thinks as far as coverage and cost? 

policy #1 $3496 for 2 single family and a duplex $1000 deductible $1,000,000 liability 50% replacement 

Policy #2 $5713 for 2 single family and a duplex $1000 deductible $1,000,000 liability 80% replacement and personal       injury and loss of rent.

would love to get some opinions. 

Thanks, Mike