If you don't tell your home insurance company that you're running a business from your house and they find out, what will happen? Will there be any penalties?

I've been running my business from home for the last few weeks. It looks like this is going to be a permanent arrangement. I forgot to notify my home insurance company about this, and now I'm worried that I'll be penalized in some way.

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Alexah Grinnell
Answered on Mar 25, 2021
Alexah Grinnell has been working in the insurance industry for 5 years with a primary focus of coverage consulting in the sales department. She has been working for Jerry Insurance since July of 2019 and has also has experience working for AAA and State Farm. She currently lives in Rochester, NY with her husband and 3 kids
“If you do not inform your insurance company that you operate a business out of your home, they can decline a claim if you ever have one, and they also have the ability to cancel your homeowners policy completely for underwriting reasons. It’s very important to let your insurance company know about any business being conducted so that you are insured properly and you don’t run into any issues during a claim. It’s better to be forthcoming now, even if you’re a few weeks late in notifying your insurance company. “
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