Mixed-use property insurance for the whole building
A mixed-use building has homes, commercial tenants, common areas, and shared systems under one roof. The quote needs to show which floors are used for what, who owns each improvement, and what income stops when a shared part is damaged.
Independent agency based in Twinsburg, Ohio, and part of Kaufman Insurance Group.
Access to multiple A-rated carriers, so we can compare available terms across different buildings.
Career insurance professionals who between them have written more than 10,000 policies.
Commercial property is the work this team has chosen to specialize in.
You’ll speak with an agent who can keep the building details, lease questions, and coverage terms in the same conversation.
Choose a property guide
Draw the building by use
Start with the address, floor plan, unit count, commercial tenants, residential units, construction, roof, heating, and ownership. A first-floor restaurant under apartments raises different questions from a building with office suites and no cooking.
I like a simple floor-by-floor description. It keeps the apartment exposure from getting blended into the commercial use.
Shared systems can affect everyone
A common boiler, roof, electrical service, elevator, or water line may serve both the homes and the businesses. Damage in one shared area can stop several kinds of occupancy at once.
Equipment breakdown from heat, electrical, or mechanical failure sits outside the property form on many accounts. Ask how the policy handles the machine and the income interruption separately.
The lease and the apartment rules differ
Commercial leases may assign glass, HVAC, buildout, paving, or repairs to a tenant. Residential leases usually handle different duties. The owner still needs the building and liability policy, while each tenant needs coverage for its own property and activity.
A tenant’s buildout isn’t covered by the landlord’s policy when the tenant owns it or must insure it. List counters, wiring, flooring, and partitions before setting the limit.
Income has more than one source
Loss of rents may involve apartments and commercial suites. Business income may belong to an owner-operated business or a commercial tenant. Use the rent roll, leases, sales, and continuing expenses to set the limits rather than adding income together without checking who owns it.
Business income is commonly written for 12 months unless a longer period is bought. A shared system repair can keep the whole building from operating even when only one room was damaged.
What changes the mixed-use premium
The carrier looks at construction, roof age, percentage of each use, tenant operations, protection systems, claims, limits, and deductibles. An upper-floor apartment over a first-floor restaurant brings different heat, cooking, and shared-system questions from apartments over offices.
The commercial use usually drives the sharper questions. Cooking, public traffic, child care, salon work, and industrial storage can change the available terms.
Small shared items are easy to miss
Signs, fences, paving, light poles, laundry equipment, exterior fixtures, and common-area contents may carry small sublimits. Owners often remember the apartments and storefronts while missing the property between them.
Walk the common areas and mechanical spaces when you build the list. That is where the practical property details tend to hide.
Bring the floor plan and rent roll
Send the address, building value, year built, roof age, floor plan, residential and commercial unit count, tenant uses, rent roll, leases, updates, claims, and lender requirements. Tell us about vacancy or renovation.
A rough sketch and the current rent roll are enough to start. We can ask for the more technical records after the building use is clear.
What isn't covered?
Flood usually needs a separate policy, and sewer and drain backup is excluded on most forms unless it is endorsed back on. Tenant belongings, tenant business property, wear, poor maintenance, and some equipment failures need separate limits or coverage. For a quote, start here or call 330-486-8404.
Start with your building details
Send the address, property type, occupancy, and approximate value. If the roof age or loss history is handy, add that too. We can sort out the missing pieces by phone and show what each quote pays for.
Owner questions
What is mixed-use property insurance?
It is commercial property coverage for a building with more than one use, such as apartments over retail or offices. The building, tenants, shared systems, income, and liability need separate review.
Does the owner’s policy cover commercial tenants?
The owner’s policy generally covers the building and owner property. A tenant needs its own property, liability, and income coverage for its operation.
What changes mixed-use insurance cost?
The mix of uses, construction, roof, shared systems, tenant operations, protection, claims, limits, and deductibles affect the quote.
Related topics
Last reviewed: October 2026