Insuring a four-unit building

[Will Skelton]

Hello,

I'm in the process of buying my first four-unit property. The insurance agent (Safeco) says that anything over three units is considered commercial and therefore more expensive.

I'm getting mixed results when I search online for what is considered residential vs. commercial. Hoping your collective genius can help me out. 

Property details:

4 units (1 garden, 3 3brs)
No storefront or commercial spaces
Located in Chicago

Thanks a million.

Will