If you are self-employed, or work from home, or have any type of home business — either in your house, or elsewhere on your property — you can find yourself with a large, uninsured claim if you do not get the extra homeowners insurance coverage you need for your situation.

Paying for homeowners insurance, then not having the coverage you need, when you need it, leads people feel ripped off by their insurance company.  Understand what homeowners insurance coverage is available, what coverage you need, then shop with all the leading insurance companies to get the right coverage for you at the best price.

Even if you do not work from home, or think you do not have a home business, you may be unpleasantly surprised, if you have a claim, by the exclusion for business activities in the basic homeowners insurance. This exclusion is also found in renters insurance, condo insurance, & mobile home insurance.

Anything you do on a continuous basis earning revenue can be considered a business.

Do you or a family member cut hair for a small fee for one or two friends on a regular basis? Do you do child/adult daycare for money? Do you mow lawns for cash on the weekends? How about regularly selling items on E-bay? These circumstances would be considered business activities.

If your friend stopped by for coffee and a haircut, and slipped on your floor, or was accidentally injured while getting the haircut, you would not be covered for liability by your homeowners insurance, because your friend was at your house for a “business” purpose.

You would be on the hook for any liability, for which you are legally responsible, if your friend is injured, even if the injury had nothing to do with the business, because your friend was at your home to get and pay for a haircut.

What do you or your resident family members do which earns money on a regular basis? Do you have a monthly garage sale, or weekly bake sale? Do you fix computers on the side?

The occasional garage sale, or your child’s lemonade stand in the summer, are okay because they are not continuous sources of income.

However, you need to talk to your agent about getting the proper homeowners insurance coverage for any continuous activity you or your family members do for money.

You may not have anything you do from home to earn money, but if you work from home, or telecommute, even if you are not self-employed, you could still find yourself without proper insurance coverage.

It is substitute for powerless patient who couldn’t stretch their erotic organ prescription for cialis to get into comfortable zone to attend wild sexual session. Inherited diseases, constant medication and work stress are some main causes reported for low semen and low sperm count. generico viagra on line This is commenced with increase of production for cGMP enzyme and reduction and limiting of PDE5 enzyme.When erectness begins there is heightening of nitric oxide in penile organ with Sildenafil Kamagra. purchase cheap levitra Sensitive penis veins become hard due to excessive consumption of tobacco and alcohol levitra properien can damage your blood vessels. Anyone visiting your home because of your work — the UPS driver, a courier, a co-worker, etc. — will not be covered by your homeowners insurance liability coverage if they are accidentally injured on your property and you are legally liable.

What if your dog bites the UPS guy? What if a tech support person stops by to fix your computer network, and the person trips on a loose rug and gets injured?

Contact your agent about your work at home or business activity. As long as the insurance company does not think the situation poses too much risk for them — breeding attack dogs would definitely be a problem — you can purchase liability coverage for your business pursuits, which costs very little to add to your homeowners insurance.

In addition to the basic homeowners insurance policy excluding liability arising from any business pursuits, there is very limited coverage for business property kept at your home, and even less for business property away from your home.

Are you a contractor, and think your personal tools you use in your profession are covered by your homeowners insurance? Contact your agent, because you most likely have little coverage for your tools.

Almost all homeowners insurance companies can insure incidental businesses and a home office in your house. But if you have a lot of customers visiting your home, or other substantial business activities at your residence, such as employees, advertising, inventory, etc. some insurance companies will not insure your home.

WARNING: Any business activity or business property in a detached structure on your property, such as a detached garage or workshop, can exclude coverage for the ENTIRE building.

So, if you regularly sell your woodwork you make in your detached workshop, and your workshop burns down, and the fire may have had nothing to do with the business, there is NO COVERAGE for damage to the building or contents.

Even if you are self-employed, with a business away from your home, if you are storing any business property in your detached building, you can find yourself without coverage for the building.

Contact your agent to find out how exclusions for business activities and business property limitations affect you, so you can do what you need to be properly insured, without any surprises when you have a claim.

Do you have questions about insuring a home business, or an opinion about this blog post? Tell me about it. Please leave a comment on my facebook page. Follow me on Twitter for important insurance consumer news and new blog entries at CarInsWatch.