So I think I found something that will work. I was in the same boat, trying to build an estimate template for a residential construction builder. So this is what I did. I created a bogus company named "Template Customer," then created an estimate, selected the Template Customer, then typed in all potential line items, with 0 as quantity, and the rate amount to whatever is appropriate. So this way, there is no actual estimate out there messing with your account (since it will be a $0 total amount). Then when you want to create a new estimate, select this Template Customer estimate, hit "more," then "copy" down on the bottom, and rename it and select the current customer. This seems to work! Let me know if it works for you.