One of the major driving factors for increased premiums is the carrier's requirement for higher replacement cost limits on file for buildings. 

For seasonality, I take into account holidays and local events that might drive demand.I'd be happy to connect for more ideas! 

And then the last hurdle is that driving miles between your home and your rental properties by default is considered to be like your "commute" to work, and your commute doesn't count as business miles. 

I'm betting he'd drive to that area.

Do you see Nike cold calling customers or driving for dollars?

My other counter argument to the opportunity cost is that your money is going from one investment to another. 

Not sure where you are, but might be worth the drive.

We have the drive to achieve whatever we put our mind to, the skills to create a very unique and desirable space, and the finances to back up our investment.

The list price is just a data point used by the seller or listing agent to drive traffic. 

Look into crime maps, and do the old fashioned thing of getting in a car and driving the market if it's not in your back yard.