personal vs commerical

[Account Closed]

I have had what I thought was commercial insurance for my rentals under my LLC.after a number of years I called the insurance company to look up my policy and found it was under a personal policy, and even worse my LLC was not named as an insured.

I called my agent to tell him and he said that he would add my LLC. Meanwhile I got quotes for commerical insurance and it was almost a 50% savings over personal. When I confronted my agent he said that under a commercial policy when there is a loss on 1 porperty the whole policy is effected and that is why people choose personal insurance.

Needless to say I cancelled with my agent and went with the commercial policy saving over $1000 a year Any thought and insights?

PS- The last time I made a mistake was not checking quotes on my auto insurance and finding hundreds of dollars in saving after a number of years