Reasonable property insurance annual cost

[Ohad Folman]

Hi everyone, 

I'm pretty new here. Recently bought two properties (single and a duplex) in Detroit MI. Looking to insure them (under my llc). I got a quote for $550/m for both. Seems high. It is up to $1m for each property while the the value of the properties together about is about $250k. All perils is $5k, excludes earth movements, floods and the rest storms and wind/hail is 2%. Liability deductible is $500. co-insurance is $0 covered loss is basic.

Any suggestions how to get a more reasonable insurance or are these numbers pretty much what one should pay for the location/property?