Answer:
by David Dickinson:
It depends on whether this is 3 buildings or 1 building with 3 stores under the same roof.
If it's 1 store, the max you can get is $500,000 and 1 policy.
If it's 3 stores, you can get $500,000 on each and you'll need 3 policies.
Answer:
by Randy Carey:
The NFIP definition of a single building might also come in handy:
Single Building. A building that is separated from other buildings by intervening clear space or solid, vertical, load-bearing division walls.