Creative Insurance ideas needed

[Rawn Wilson]

I purchased a property that is all one lot, but has a house and an automotive shop on it. The house is zoned residential and the shop is grandfathered as commercial. I have insurance separately on both. I have leased out the house and shop, and recent commercial appraisal came back at 525k. I have used all cash and now am going to take a $350k mortgage to recoup my money. Bank is telling me I need a $350k insurance policy to cover the property. My current policy only covers rebuild cost of 250k. Insurance agent is having issues finding a policy that will inflate build cost to match my commercial income based appraisal. Are their any commercial type policies that can handle this situation?