Assume all of those auto-generated estimates are wrong. 

I am currently work a few accounts the Erie is on, and they have different pricing tiers depending on,1)   if the property will be insured connected to your personal home and auto (this will most likely give you the best rate)2)  Property is not connected to your personal account, but is fairly new, you can add 50% more cost to option 13)  Property is not a preferred property in their eyes. 

I think the best one for what you specifically described though and for the size of your business is NowRenting.For $9 per month, it allows you to streamline those processes such as:Posting your listings to multiple websites at onceSetting pre-screening questions & automatic scoring of tenant leadsFree eviction, credit and background check reportMonitor the status of leads and tenant requestsSending digital rental applicationsCreating, sending, signing digital leases (w/the ability save, re-use & edit the templates) Collecting rent online (tenants can enroll in auto-pay, too) and delivered to your bank account via ACHAccepting & managing maintenance requests onlineAutomating notifications to tenants (rent due, rent late, eviction in process, etc.)Centralizing all communication (get a NowRenting inbox & phone number to keep your business life organized)Manage your properties from a mobile app or via browserCreating an easy custom website for all your propertiesIntegrating QuickBooksHope this helps, @Frankie Clark.

The tenant uses the parking lot for fixing the vehicle in a parking lot as if it were his auto shop.

You have as much to do with that break in as the buyer's auto mechanic.

I just came upon some cash and was wondering if it would be better to pay off my 2 auto loans ($55K @ 3.00%) to decrease my debt/income ratio  and therefore allowing me to borrow more money.   

Several have 2-3 years left on their contract but most are on a 3 month auto renewal (and have been for years)6) The 15% vacancy appears to be good for the area and the building.

The commercial buildings have offices and an auto shop there currently.

Ask an agent, since they are unique to the type of business, they are not packaged like an HO or auto policy.

Do you really want to only be covered up to the limits of your auto insurance?