Plenty of people run something small from a rented home: a repair business, a craft shop, consulting. A renters policy has the same opinion about that as a homeowners policy does, and tenants are told even less often.
Business property in a rental is capped low and business liability is excluded outright.
Three things about earning money from a rented home.
Equipment, tools and stock used for a business sit under a low business property limit rather than your contents limit, frequently a couple of thousand dollars. A tenant with a few thousand dollars of tools is already outside it without owning anything unusual.
If a customer is injured collecting something, or a product you made causes harm, personal liability generally does not respond at all. That is an exclusion rather than a limit, and it is the half of this subject with no ceiling on the loss.
Many leases restrict commercial activity in a residential unit. That is a tenancy question separate from insurance, and running afoul of it can cost you the home rather than the claim.
Where the household stops and the business starts.
The business property cap is reached faster than people expect.
Customers at the door change the liability question entirely.
A separate problem that insurance does not solve.
Tell us whether anyone earns money from the home and whether customers ever visit.
We cover the business side properly instead of pretending it is contents.
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