Does my insurance cover home-based business equipment?

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.