I would recommend a custom term that is about 18 months. 

I don't think the insurance is very expensive.  

what is damage protection insurance? 

When deciding between them, look for flexible memberships, no high-volume minimum, and customer service to help walk you through the process.

You'd probably have to provide a company car, insurance, E&O insurance, cell phone, and laptop/ tablet also.

I've only ever purchased homes as primaries, one being rented out currently to an insurance company and the other is my current primary.

I’ve been at this game for two decades, and I’ve found that every deal is a bit like brewing a custom cup of coffee.. you tweak the beans, the grind, and the brew time until it’s just right.

One thing you may want to consider is some sort of umbrella insurance - that might be a cheaper option, I'd price out bother.

Most fail to paper the contracts, indemnification and additional insured requirements correctly.

You should also check to ensure they have Errors & Omissions insurance, Fidelity Bond coverage, and a Financial Institution Blanket Bond.Some are more consultative and advisory and provide guidance, while others are just processors.