What type of home insurance do we need?

Should I offer to pay them for their consultation, or are these types of questions common as part of the PM vetting process and is a "courtesy service"?

It is a regular one year lease type property. 

As an owner of a 72 unit complex and a bunch of single families I would say talk with someone in the space before you dive in too deep it is not all roses like some folks like to say, there are challenges that each type of investment poses.I saw you added a unit on another you have, be sure anything you do or buy has it permitted that way,  not fund to be on the other end of an insurance claim for something that went wrong in an unpermitted unit. 

It is possibly a bank overlay that you are running into where the bank will not allow this type of loan to close like this. 

My main goal is to live in the property for a few years and then convert it into a long-term rental, which makes my choice of property type crucial: should I focus on a single-family house outside the city, a smaller home within the city limits, or a condo?

Let us know what market you are considering and which type of real estate investments interest you?

Quote from @Maya Jones: This type of thing is like trash companies, you will hear it right away from your tenants if their car is blocked in by snow.

Personally I love what you are capable of doing I am just not very good at it so I outsource to individuals likes yourself with right set of skills.What type of investing are you most interested in? 

It did not consider garage type or if it even had a garage.