Is it just this market that is bringing fear or has it always been this way?

WI is a big market. 

Any advice on most efficient and costly ways to obtain marketing lists in S.

What market are you in?

If there is any way you can avoid marketing to section 8 you will be far better off especially in regards to the quality of tenant you will get. 

@Dave Rav - I agree with the others that there is no really good way to estimate insurance costs, but I've found some consistency within a particular market/zip code if the rebuild costs and deductibles are the same.

I'm thinking about ramping up my marketing and having agents send me deals with their criteria.

I have searched online and found no company or market for this type of transaction.

That is a very general question and each area has its own market conditions so what works well in one area may not in another.

I do not know if your area has any rules against this for SFR but what we have done in the past from a marketing POV is to only bill 75% of the cost so that the tenant feels that they are getting a better deal than individual meters.