If you're going to do the out of state thing in Cleveland, 1st thing I'd recommend you do is read The Ultimate Guide to Grading Cleveland Neighborhoods.

It’s my first rental so I just need something to get the gears going, but I’d also like to get a feel for property management.

I'd think this situation is no different residential RE. 

Imagine filing a claim on yourself lol.

I'd ask for the higher limits and honestly I'd ask for the highest he can provide on the policy. 

I’d open the account that doesn’t charge any fees because some of mine charge $5/month and others don’t (not sure why but should probably ask for a waiver as I give my bank enough money) and it makes me sick to think I’m giving them $60 in fees x 7 accounts per year.

Wow, imagine my surprise to see @Wyatt Seidel and @Brett Deas talking to each other on the same BiggerPockets post.

I’m fine with using the same realtor as she is local to me (not the company they googled to find her) I’d rather not have to pay double the commission after having to deal with all this craziness.

I’d prefer a single family to avoid the HOA/Condo fees, but most of that area seems to consist of townhomes.

If you’ve not done mobiles previously I’d suggest doing a few before jumping straight into mobile home parks.