Insurance Policy on Duplex

[Elaine Lam]

I'm looking at two duplexes being sold as a set and was quoted for policies on each individual unit (State Farm).  The replacement values are much higher than the market value.  I'm curious about if there is an option to get one policy per duplex as opposed to per unit, and what the pros and cons are in doing so.  If there are other possible arrangments or things to consider I'm open to recommendations.  Thanks!