Insurance premiums on commercial vrs residential
I have a mix use property, 3 units. 2 residential and 1 office space. My broker tells me that I am paying more insurance because of the commercial unit, which is just a tax office closed from May-November. They pay rent all year but I am wondering how much more am I paying in premiums a year, 20-30 % ? I bought the building 2 years ago and I inherited the lease, have 2 more years. Since they are closed during a large part of the year should I get a discount?