Help choosing insurance for first time home buyer who's house hacking

[Joseph Spinelli]

Hey all!

First post here and excited to learn!

First wanted to give my scenario:
I just got my first home under contract and getting ready to close in a few weeks, in Round Rock, TX. I'll be living in the property as my primary residence for a year, having roommates to house hack and lower mortgage payments and then looking to begin renting it out after that year as my first investment property and repeating the process. I'm currently shopping around for homeowners insurance and have it down to 2. Here are quotes for what each is offering:

AllState: $1,246.98 for 12 months, my rep with them said they offer 35% off landlord insurance (if bundling home and auto with them, which I plan on doing) so that sounds like it would be nice for when I turn the property into a rental

Iscential Insurance Agency: $1,672 for 12 months, speaking with the agent who is an insurance broker

With all quotes, I am making sure to get an RCV policy, Water Back Up and Sump Discharge or Overflow $20K Coverage and full dwelling coverage on Limited Hidden Water or Steam Seepage or Leakage (recommended this by my realtor in case of flooding).

My questions are, what policies should I be looking for to best fit my investment plans long term? Is it more ideal to go with an insurance broker or a bigger company like AllState? Also if you have any recommendations for who to go with for homeowners insurance in my area?

I'm probably oversimplifying the process so please correct me or feel free to throw in any advice or tips!