Like @Kristina Heimstaedt said you should get a comparison quote from another broker to see what they offer. 

More commonly, I see a buyer that got a good deal that looks great in comparison to the sucker who bought before them.You have to sort through a lot of losers to find a winner.

Next I will do a thorough Move-Out inspection with pictures and documented on the same Move-In checklist for comparison.

You mention the rent in comparison to the mortgage...how does the current rent compare to the market?

It explains it quite well.However, if you happen to read my previous posts, you will see despite I have low Cashflow in comparison to the multi-million dollar Values of the properties, the calculated overall Return is over 35% per year for every single year that the Investments are owned (in terms of Simple Interest Calcs) and about 25% Internal Rate of Return.Unfortunately, the vast majority of people seem to not understand these 4 ways of making money, which include: Cashflow, Appreciation, Mortgage Reduction and Tax savings.To take an example, if you buy an Investment where your Mortgage is $1 Million AND a 30 year Fixed and you are breaking even in cashflow, this means that your tenants are paying for the Mortgage to be reduced to ZERO in 30 years.So, if you take $1 Million and divided it by 30 years, you get $33,333 per YEAR.

I hope to expand on this.I normally use a Certificate of Deposit (CD) as a comparison tool because the Calculation is very easy AND anyone can Invest in a CD.

I want specifics, not silly comparisons to lemonade stands or whatever. 

The lady was telling me that when I comparison shop, to be aware that some insurance companies don't follow through and don't have as long or strong of a reputation, though they may be cheaper.

Note: I was unable to find a single site that compared landlord insurance cost by state so I used homeowner’s insurance which is reasonable for comparison purposes.

This can give you some comparison?