Opening a business from your home has become growingly popular with entrepreneurs.  But, does yourTexas home insurance cover these types of activities and physical items that go a long with it? Most likely, no it does not cover business endeavors. Texas home insurance policies will typically have a cap of $2500 or less for business losses. Also your home and assets can be put at risk if a client is injured on your property.

Here are some options to make sure your home-based business is covered:

1. Add a business endorsement to your Texas home insurance policy. This will cover damages to your equipment, inventory, and possibly some Texas general liability insurance.
2. Combo policy- you can possibly save money by combining your Texas home insurance and Texas commercial insurance.
3. Purchase a separate Texas commercial insurance policy

There are many factors that can help you decide which option you should choose. The best way to know you are making the right decision when working out your Texas home insurance company is to talk to one of our agents today!