Commercial property insurance

[Lovorn Brown]

We currently have our property insurance combined with our personal insurance. It is insured as rental property, and is also covered under an additional umbrella policy. Recently I talked to another insurance agent who is telling me we should really have the rental properties under a "commercial insurance plan". Currently we have four properties which includes: two single family, and one attached townhouse, We were looking into a second duplex. At first glance the commercial policy seemed to save money, and increase cash flow, but as I look closer I have concerns.  DO any of you have a commercial property for your rentals and if so are you happy.  Please Help!!!  Thanks

[Lovorn Brown]

@Matt Moylan thanks for the sound advice. We are looking to purchase two duplexes in the next 60-90. I will look into an insurance broker. Thanks again