They are not loyal to a single carrier and therefore will typically find you a better deal than going directly to an insurance agent.As a roofing contractor, I have worked about 1,000 claims with multiple insurance companies.

I know that I can quit claim the deed into my LLC pretty easily but worry that if I do, the bank will call the loan due since the mortgage is in my personal name.

It's a history of insurance claims on the property.

Now having a place to shoot 22 caliber guns would be a joke , have some 50 cal machine guns and old cars to shoot you would have customers .

Made a claim for the roof and it was fine but then I had a renter commit suicide this year. 

Yeah, he just claimed he's from a company called Global West Funding.

You will own a property that has these risks and 100 more:car falls on leg of customer and he is young and incapacitated and sues you tootenant pours poisonous degreaser into public plumbing an it leaks 200 feet to neighbor properties, they sue yourobbery happens and child is trapped in the bay and survives, the parents sue youteen comes in with their helper dog who bites clients, they sue youfireman falls through the roof in a fire (chemical fire) and is disabled because the roof wasn't to code...Although you are only the landlord you have duties to health and safety of the employees, clients who walk in, and the community.Look up: Ng to the Ghost Ship landlord in East Oakland

It was also not great for the tenants and I spent a lot of time and energy in the claims.  

I mainly do remodels, but occasionally I do custom builds for clients. 

Hays (South / South West Austin) claimed the number 1 spot by percentage and Williamson (North Austin) claimed the 5th spot.