I was unsure of what was needed I googled it and a ton came up saying $25, $49, $79... after walking through each had a basic, Deluxe, and Premium?

I was hoping to switch away from Nationwide altogether, however, so far they were the only ones willing to provide me an umbrella insurance quote and it would still require switching my auto insurance and paying a $400 higher premium on that plan, which ultimately turns into the same premium rates as the high risk insurance.The only other quotes I got were from high risk carriers offering high risk insurance for over $600 plus switching my auto.I've also read up that its not a good idea to try and switch the properties currently under my name into an LLC now, that its very risky. 

I am learning something new every day from what features add the most value to a rental to how to repair a boiler.

It is close to downtown Raleigh so you will be paying a premium to live there.

I always max out the utilities category each quarter.Once I max that out, I put utilities on my Barclaycard Rewards world master card which gives rewards of a straight 2 % on utilities.I also have the Chase Freedom, Discover, and Citi-Dividend cards which feature rotating categories each quarter at 5% rewards.

House is in Houston Texas(unoccupied, being rehabbed)2) What is the typical premium for this kind insurance?

I'm sure there will be new offerings and features coming out in the near future.

Although I would like a system where I can talk with them periodically to make sure that everything's going good or if they have any concerns.I currently use Cozy for management, and would love if they would add a feature where Landlords can inst-msg tenants asking questions or sending reminders.

It is free to use, connects to your bank accounts, and has some great features.

Section 102 - treatment of mortgage insurance premiums as qualified residence interest is extended through 2020.2.