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Is my home-office equipment covered by my homeowners policy?
Business property in the home is normally covered only up to a small cap, and business liability is usually excluded.
What filed forms generally say
Most forms include a special limit for business property on the residence premises, and a lower one for business property away from it.
Liability arising out of a business is generally excluded, including injury to a client visiting the home.
Endorsements exist to raise the property cap or add limited business liability.
Why your policy can still say something else
The caps and whether an endorsement has been added are specific to your policy.
Clauses to look for in your own document
- Special Limits of Liability — Business Property
- Exclusions — Business
- Home Business endorsement
Policies differ. Upload yours and Poli will show you the actual clause.
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PoliSays explains document wording. It is not an insurer, broker, or law firm, and nothing here is advice.