I have a mixed use unit in Philadelphia and I wanted to shop around for quotes since my policy is coming up due in Jan and the price is kinda high.
It seems that searching for commercial building insurance is a lot harder to find quotes than a car or home insurance.
As I tell everyone, you generally want to work with an insurance broker. I'll be happy to share a few if you PM me.
Disclaimer: While I’m an attorney licensed to practice in PA, I’m not your attorney. What I wrote above does not create an attorney/client relationship between us. I wrote the above for informational purposes. Do not rely on it for legal advice. Always consult with your attorney before you rely on the above information.
@Shin Bo when it comes to a commercial property/mixed use, you will find your best options from an independent commercial insurance broker. We will have insurance carriers who want to insure these buildings and will also be much more flexible with the terms of the policy.
Mixed use buildings are tougher than straight mercantile use. There are plenty of markets however that will write that type of building. If you have a restaurant/cooking exposure in the Mercantile or if there is higher risk of robbery, such as a Liquor store there will be less companies willing to write it. I would echo the prior recommendations that you find a Independent Insurance Agent that represents multiple markets.