An insured has 15 rental properties, none more than 4 units. An insurer covers them under 15 dwelling policies and has endorsed his homeowners policy to extend liability coverage to each of them. The agent has recommended commercial insurance, including a CGL policy rather than an HO endorsement, as he feels it is better coverage. Insuring it commercially will cost 30-40% more so, of course, the insured wants to keep the coverage like it is. What do you think?

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