You're doing the right thing going through an independent agent and I would echo what @Luan Oliveira mentioned about comparing coverages if you're using the big carriers (Liberty, Geico, Progressive, Traveler's, MAPFRE etc...).

Ok, progress update for anyone curious.I'm certainly getting a lot of the relevant information I need from the contracts I'm reviewing and the websites (especially those with obviously professionally produced sites that are well organized). 

Next domino needs to be 1.5x bigger than last to keep geometric progress.

Often you will see listing's that have a "remodel" in progress and the owner may have run out of money. been red-tagged, or had other situation that forces them to sell.

It is in progress.

You have hit the JACKPOT of resources for real estate investors.

Update marketing photos as you progress.

I like that you identified that you want to get into the path of progress so you can potentially capture appreciation.

Each home served our purposes as a primary residence for a few years, and in each case we added value through enhancements or repairs.Now as rentals, the homes are well known to us and in markets where we understand the common tenant demographic.We undertook a comprehensive refinancing of all the properties 18 months ago to lock in low interest rate 15 year debt while releasing equity to purchase our newest primary residence.Good luck with your decision and congratulations on your progress to date.

You have hit the JACKPOT of resources for real estate investors.