Insurance premium determinations  are more localized where the carriers price perceived risks into their desire to have market exposure (if at all) and how to price that exposure. 

I do have my buying range in mind and I agree with you 100% getting pre qualified would help out a lot determining if that is actually realistic as well as gives me opportunity to start analyzing more deals that are attainable for me. 

Quote from @Pramod Ponna: The application is supposed to determine a level of risk.

My insurance company investigated and determined that it was in fact an Act of God.

They really don't have the power or right to place any kind of lien on the property while they simply have it under contract and aren't doing any improvement to the property. 

Trying to determine if my PM or I could be doing something else?

Once you determine the water source, stop it.

Start by simply checking for water stains on the ceiling, which can indicate whether the roof is structurally sound.Many mobile homes have rolled metal roofs that can crack and rust over time.

Then, you can review the provided specifications to determine if they meet your preferences or are appealing to you.

The biggest issue I observe amongst real estate investors is the inability to articulate the reasons why they should transfer properties or simply own properties from day 1 in an LLC.