Frequently Asked Questions about Home Office Insurance Business Insurance FAQ |  Home FAQ |  Home Office FAQ |  Auto FAQ |  RV FAQ |  Valuable Items FAQ |  Life FAQ  Q:   If I have an office in my home, does my homeowners policy provide the coverage I need?       A:   Probably not, unless you address a few items specifically. Be sure to address any business activity with your agent. There are many gaps in both the Property and Liability Coverage under the Homeowners Policy, relative to the business. Your policy may exclude any detached structures, such as a garage, that are used for business purposes, including storage of materials. Contents coverage for business personal property is usually limited to $2500 at home or $250 away from home. Liability Coverage for business activity is generally excluded. Many of these items, however, can be addressed by many Homeowners Policies as in-home businesses become more common. Coverage for contents, business computers and data and liability can often be added to the Homeowners Policy or be provided by a Companion Policy.
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