Are there any legitimate insurance companies out there that you can work from home w/o paying big $$ to do it.

Looking to work at home as an insurance agent – I have a liscense but I don’t want to do any MLM thingie or spend a ton of money buying crappy leads for a company that promises the moon and the stars. I want to do my part but I want a company that keeps their word (integrity)

Can insurance on a house be in someone elses name along with yours to make premium cheaper??

Me & my husband are buying a house and found out today that if you have a bankruptcy that this affects you premium costs. So, I was wondering if my dad could put the insurance in his name and list me & my husband as well but use his name for the credit check, etc