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I have been raising an estate insurance our MCST took decades ago for a sum of 8 million coverage for 40 units which comprise 30 residential units and 10 commercial units.
Few years ago, I asked that the amount insured should be increased as our property value went over more than 1 million dollar for residence and 1.7 million for shop unit.

The yearly premium for our estate is less than $800. Would like to find out whether our MCST council has under-insured the estate. What should be a reasonable premium payment per year for such walk-up apartments of a mixed Strata-titled housing cum commercial estate? Thanks.
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