Why doesn't my Georgia homeowners policy cover my home office equipment?

Standard Georgia homeowners policies cap business property at $2,500. That covers nothing for most home-based workers with laptops, monitors, cameras, or specialized equipment. A home business policy adds coverage for business equipment above the homeowners sublimit, business premises liability, and in some cases business income. For most Georgia home-based workers, the annual premium is $200 to $500 and the gap it closes is often $10,000 to $30,000 in uninsured equipment.