Building insurance for financed commercial property
Will premiums be lower if you Bundle Your portfolio together or insure each property with their own policy? 

Is State Farm and the traditional home insurance carriers the best route or is there a commercial insurance specialist?
[{"id": "ikaq01o", "text": "The best and safest route is a commercial insurance brokerage. Millions of them out there", "replies": [], "depth": 1}, {"id": "ikawnr5", "text": "There are commercial insurance brokerages. Most of them are regional but structure and sell policies into pools offered by large international insurance companies (like Lloyds). \n\nI've never heard of a portfolio insurance policy or any potential savings from taking this approach. Lenders typically require individual policies to insure themselves in the event of a loss so that would probably prohibit a portfolio approach unless you also have a single lender for the same portfolio.", "replies": [], "depth": 1}, {"id": "ikbksgl", "text": "Each property should be insured separately.", "replies": [], "depth": 1}, {"id": "ikbs1ux", "text": "I have been getting the best rates from American Family Insurance. Let me know if you want to compare policies.", "replies": [], "depth": 1}]