Homeowners Column of the Month:
I work out of my home.  Are my inventory and business property covered? 

Yes, within certain limits.  Both inventory and business property are covered as personal property used for business purposes. However, like all personal property, there are monetary limits on reimbursement.  Whether your home business is your primary occupation or a hobby that nets you a few hundred dollars a year, it is still a business, and you should treat it as such.  If you've invested quite a bit in equipment (woodworking tools, for example) and sell the occasional decoy, you should consider whether the personal property limits are sufficient.

Also, keep in mind that the personal liability protection in your homeowners policy does no extend to business liability.  Check with your LPL Insurance agent concerning your business insurance needs.

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