Does my insurance cover home-based business equipment?
By Bob Millaway, South Jersey Community Expert & REALTOR®
Standard homeowner's policies offer limited coverage for home-based business equipment, often capped at $2,500. This typically covers computers, printers, and office supplies but not inventory or professional tools. Liability coverage for business-related accidents or professional errors is usually excluded. If you run a business from home, ask your insurer about a home business endorsement or an in-home business policy. These add-ons provide significantly higher limits for equipment, liability, and even lost business income if a covered loss interrupts your operations.
Why It Matters
Your home office equipment and business liability are likely underinsured under a standard policy. One stolen laptop or a client injury could mean thousands in uncovered losses.
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