Portland Press Herald:
Many homeowner policies provide only $2,500 of business personal property coverage at your house and $250 away from your premises. That will barely cover your desk, file cabinet and computer.
If you are using a garage that’s separate from your house for storage or any other business operation, you may be subject to a broad policy exclusion that excludes all coverage for that building.
Your home insurance provides no coverage for business interruption – payment for the lost profits and continuing expenses during the time it takes you to rebuild your business after a fire, windstorm or other insured loss.
Business liability incidents are also excluded by most home policies. A client visiting your home or an injury you cause would not be covered. There is no product liability insurance in a homeowner’s policy. Personal umbrella insurance offers no business coverage either.
via Chuck and the MLM Business Opportunities Blog.