 Do you have a business in your home? Having a business in your house or detached structure will greatly reduce the coverage provided by your homeowners policy. A "business" can include having an office for homework, Avon sales, side carpentry work, or even garage/yard sales, etc. There is NO liability coverage for any type of claim arising out of conducting business in your home. You have a small amount of coverage for business personal property (including inventory) of $2,500 in house/$250 off premises. If your business is located in a detached structure (such as a garage) you have NO coverage for that structure in the event it is damaged (fire, wind, etc.) Renting out or holding for rental a detached structure is considered a business exposure. Using your barn for storage of your tools for your weekend carpentry business is considered a business. If any of the above scenarios fit your situation or if you think you might have a coverage restriction, please call us. Our insurance companies offer a simple, inexpensive way to buy back the coverage that is taken away when you have a business exposure in your home or detached structure. |
 
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