Insurance for a duplex with an outside stairway.

[Mark Boettcher]

I was just informed that the insurance for one duplex (with an outside stairway to the upper) will cost as much as two other mixed residential/commercial properties combined.  Anyone experienced this? I had Rural insurance and they just changed the way they write rentals, and my agent retired so I have a different agent.  She is experienced, just new to me.

[Jason Bott]

@Mark Boettcher it's a Rural thing, not an insurance industry thing.  Other insurance carrier do not have an issue with this.