Home business insurance your homeowners policy isn't.
Business equipment, liability, professional liability and cyber coverage for businesses run from home, set up around what your homeowners or renters policy leaves out.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Homeowners policies stop at business use
Homeowners and renters policies usually limit coverage for business property kept at home and exclude liability that comes from business activity, like a client injured on a visit.
Depending on the business, a home business endorsement, an in-home business policy or a business owner's policy can fill the gap. I match the coverage to what you do.
- Business propertyComputers, equipment and inventory kept at home.
- General liabilityClients or customers injured, or property damaged, by your business.
- Professional liabilityClaims that your advice or services caused a loss.
- CyberData breaches involving client information.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- The business: what you do and how long you've done it.
- Revenue: annual revenue estimate.
- Visitors: whether clients or customers come to your home.
- Property: value of business equipment and inventory at home.
- Employees: number and payroll, if any.
- Current policy: your homeowners or renters declarations page.
Home-based business insurance, answered
Does homeowners insurance cover a home-based business?
Usually only in a limited way. Many policies cap business property kept at home and exclude liability arising from business activity.
What's the difference between a home business endorsement and a separate policy?
An endorsement adds limited business coverage to your homeowners policy. A separate in-home business policy or business owner's policy provides broader business property and liability coverage.
Do freelancers need professional liability?
If clients rely on your advice, designs or services, professional liability covers claims that your work caused them a financial loss.
Is my business laptop covered?
Possibly only up to a low business property limit on a homeowners policy. Business property coverage raises that limit.
Do you offer home-based business insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Tell me what your business does. I'll shop it.
What you do and your annual revenue are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued.
A short video from Sam
Under a minute each. Videos use an AI-generated version of Sam’s likeness and voice. General information only; coverage depends on your policy.
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.