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Homeowners Insurance FAQs

Is My Home-Based Business covered?

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Home-based businesses are generally not covered under a Homeowners policy.

That said, business activities at home may be covered on a limited basis. For example, a typical homeowners policy generally covers about $2,500 of on premises business equipment (such as your computer and printer) and $250 off premises.

The odds are there is no liability coverage if someone comes into your home for business related purposes and has an accident. This is important if you work at home full time and can be important even if you only work at home part time to accommodate your health condition. Check your policy or insurance agent or broker.

The following alternativescover the risks of doing business at home:

  • Add a "business pursuits" amendment to a homeowners policy. Amendments in insurance parlance are known asan "endorsement" or "rider". (These amendments generally increase premiums by 5%.)
  • An in-home business owners policy that combines insurance for the home and business in a single policy.
  • A separate business owners policy.


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