PROPERTY PROTECTION vs Commercial Insurance Policy

[Adam Rey]

Good Morning,

Appreciate any guidance in advance. For the past several years I've owned the same single family home as a rent that had its own liability insurance policy and I carried my own personal umbrella policy. No issues for several years. Then this recent renewal my property insurance agent switched the underlying insurance provided so the property insurance documentation changed slightly. To my untrained eye it looked the same, all limits and coverage looked identical. However the name/type of policy seems to have changed. Old one was titled "PROPERTY PROTECTION POLICY" and the new is "Commercial Insurance Policy". My Umbrella provider does not want to renew my personal umbrella policy given this new documentation as they say it was written incorrectly. They say I need a "landlord" policy and not a "commercial" policy. In the past they were fine, just the new title seems to have convinced them its incorrect. They're saying since I own the property in my name it counts as personal property even though its a rental, and I should not have a "commercial" policy. 

Any guidance on how to handle and what policy is the correct one to have? To the amateur this seems silly as it seems like only the name has changed, but I totally understand that could potentially make a big difference. 

Thanks so much,

Adam