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 Posted: Tue Nov 10, 2009 5:14 am Post subject: Can a homeowner's claim be denied if an office is in the hom |
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My neighbor could be at risk, wants to know.
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| Posted: Tue Nov 10, 2009 6:34 am Post subject: |
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There is no exclusion I know of for this... and I work out of my home. I've not looked at my HO policy but there might not be coverage for business personal property or it might be limited.
Working from your home would not increase the risk of a loss. There are many people that stay in their homes doing things all day long. |
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tcope
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| Posted: Tue Nov 10, 2009 12:04 pm Post subject: |
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It would (as T stated) depend on the loss. Most HO policys have a limit on business property.
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Lori
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| Posted: Tue Nov 10, 2009 11:48 pm Post subject: |
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Frankly, I'd be more concerned about the liability coverage.
Are any clients or customers coming to the house?
What kind of office?
Many more concerns need to be explored here. Homeowner policies have a LOT of exclusions for businesses located in the home.
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InsTeacher
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