We’re planning on finishing the basement which will add a full bathroom, summer kitchen, door to outside, living room area, and French drain with sump pump (sealing the walls too).

A simple unclogging of the drain is $350+!!!

I know that I should get the septic fully inspected (tank and drain field), as well as propane tank & lines, and look for dry rot/mold. 

If you have enough for a down payment go conventional and avoid PMI, it's money down the drain that you never recoup. 2) If only it were as easy as shopping online.

So I explained how my work is 45 minutes away, and the commute (sometimes twice per day) is needlessly draining my life away.  

They just drain the tank and fill it with a type of cement slurry.If oil is the current energy source though you'll also have to factor in a new energy system, furnace, etc... 

The roof scuppers, drain lines, and wall vents were poorly installed.Because the issue is due to poor craftmanship, wear and tear, and maintenance insurance is not going to cover the damage in my unit.

^ ask your inspector if they have the ability to inspect the drain.

An emergency drain pan installed with an automatic shut valve that operates off of a wet switch that is located in the drain pan will protect the rest of the dwelling from water damage and could possibly give you a better insurance rate.

Some optional coverage that may be valuable for you (depending on the propery):- backup of sewers & drains- Ordinance & Law (if building codes require rebuilding differently)- Personal Injury (Liability for Libel, Slander, ...)Non Insurance Risk Management ideas that you can look into are:- review your contracts- require Tenants to have a Renters policy- look at advantages of LLC for each property- Pet policy (many companies will not write policies if certain breeds of dogs are at the property)