Does my Homeowners Policy Cover my In-Home Business?

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Here is a question you might be wondering.Does my homeowners policy cover my in-home business?

The answer to this is no. In fact, most policies specifically exclude coverage for the business liability and equipment out of your home. Some policies may have a very small limit for business equipment, we are talking below $5,000. In order to make sure your in-home business equipment and the associated liability coverage is afforded, there are a couple of routes you could go. With a lot of companies there is an in-home business endorsement that could be added to your homeowners policy. Another option is to buy a separate in-home business policy or business owners policy. Also, keep in mind if you are running a business out of your home, you will want to make sure you have an Umbrella policy to provide additional protection over your homeowners policy.

When considering coverage for your home business be sure to talk over the options that would be best for your business with your agent.

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