100 year old single family home, owned individually. Insured "Jane...

100 year old single family home, owned individually. Insured "Jane Doe" lives in the upstairs apartment. Downstairs is a salon owned by the client's business. "Jane Doe's Salon." How should the insurance be written? The current agent has it written as a single family home on a personal lines policy with a BOP covering the business. However, I don't know of ANY personal lines home carrier that wouldn't immediately cancel that polic