Not knowing who you’ve tried to reach out to my first inclination is to reach out to multiple independent agents the reason being they’ll have the ability to reach out to multiple insurance companies to try to get quotes.

Hello fellow BP members,so far I've been getting paid as an independent contractor, I am wondering whether I should be doing business through an LLC, S-corp or something else? 

In the state of Tx, in order to have a independant property managment company it will need to have a licensed broker involved, you can still be partner but the brokers license is at stake here so they may want 51% or greater ownership.

This must be performed by a CPA or an “independent accountant who is engaged in the public practice of accountancy”.

Let's say the house is kind of like the majority of properties that I buy, typically where the occupant has aged out of independent living or has died and the kids live elsewhere.

Either you need to live there or you must have your bank that knows you lend in the market you are buying in.  Depending

If someone is doing Fix & Flip, it depends how how hungry they are for getting a house to work on, if it is to live in, depends on who is going to live  there, if it is for a Rental, again it depends on the buyer.

Because they were given everything in life and never had to worry about the future, never taught how to be independent, never given the opportunity to fail, and never experienced what it feels like to accomplish something on their own. 

So many options to choose from, unfortunately your Allstate agent does not have access to them.If you want to look into options, do not contact other Home and Auto companies like Allstate, but rather Independent Insurance agents who represent multiple insurance carriers specializing in the REI space.I'll drop you a PM with some company names. 

Do you have an in-house construction crew for your projects or you have a team of several independent contractors?