As someone with a home office, can I get home insurance?
I'm a freelance web designer who works out of a home office. Since I run my business from home, am I still eligible for homeowners insurance?
Yes, you are still eligible for home insurance. Having a home office would not make you automatically ineligible for a home policy.
However, you should be aware that home insurance companies are very concerned with how much liability they are taking on when they insure someone. If you have multiple customers visiting the home or if you sell high-risk items out of your home, some carriers could decline the policy.
In addition, most policies have exclusions or limits as to how much business property they will cover. For example, a computer used strictly for your web designs may only be covered up to $500 if it is stolen, while a computer for regular home use may be covered up to its full value.
Honesty is always the best policy. If you have disclosed to your insurance company that you have a web design business in a home office, there is a reasonable likelihood that you will qualify for a home policy.
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