Chandler owns 65.0% of its homes, the lowest ownership rate of the large East Valley cities, and a great many of those households work from them. A homeowners policy has firm opinions about that.
Business property in the home carries a small sub-limit, and business liability is excluded outright.
Three things that change the moment work happens inside the house.
Most homeowners forms cap business property in the home at around two to three thousand dollars, which is less than a single workstation in a lot of Chandler houses. The contents limit on the policy does not apply to it. The cap is separate and it is low.
If a client, courier or contractor is injured at the house in connection with your work, personal liability generally does not respond at all. That is an exclusion rather than a sub-limit, and it is the expensive half of this subject.
Working from home does not jeopardize the dwelling cover or the ordinary contents. Knowing precisely which parts fall outside the policy is what prevents an unpleasant surprise, and that boundary is narrower than most people assume.
The questions that sort a home office from a business premises.
A laptop in a spare room and clients at the door are different risks. The second one needs an endorsement or a small commercial policy.
Once it exceeds the business property cap, an endorsement is inexpensive relative to replacing it.
Goods held for sale are treated differently again, and a garage full of them is not what a homeowners form contemplates.
Tell us whether anyone comes to the house for work and roughly what the equipment is worth.
We draw the line between home and business before a claim does it for you.
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