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Does homeowners insurance cover a home-based business?

Standard homeowners policies provide very limited coverage for home-based business activity. Personal property coverage typically excludes or severely caps business equipment -- often at $2,500 or less. Business liability arising from clients visiting your home, products you sell, or services you provide is generally excluded from the homeowners liability section. A home business endorsement can extend some coverage for modest operations. For businesses with clients, employees, or significant equipment, a standalone home business policy or commercial BOP is the right product.

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