Home Insurance & Incorporated business using home address

[testinz]

I own a home and I recently incorporated a company using my home address.

I talked to one of the home insurance agent and they said that since the home address is use for an incorporated business, they cannot provide the home insurance.

Do I need a special business insurance for the home or it's just this insurance company's policy? I don't do any business at home so there's no foreseeable claims from the business.

Thanks!

[fantom]

I own a home and I recently incorporated a company using my home address.

I talked to one of the home insurance agent and they said that since the home address is use for an incorporated business, they cannot provide the home insurance.

Do I need a special business insurance for the home or it's just this insurance company's policy? I don't do any business at home so there's no foreseeable claims from the business.

Thanks!

why did you ever mention to the insurance agent anything about the incorporated business, your home, etc?

of course they will draw such a conclusion and say no, they don't wanna cover you and all.

call him back or call another agent/company and never mention anything about any incorporation, business address, any business dealings out of your home... even if you registered that as your mailing address... because you just said it - you don't do any business from home... but those agents will "hear" that differently, so don't mention it at all

and if they ask, the answer is "no", obviously.

[flafson]

I had both at home once, agent knew about it and had no problem doing both.

[guessboi]

Probably just the company policy. Unless you do work at home...then I would suggest you to get a home based business insurance coverage extension in your home policy.
You should be able to get insurance no problem. Not sure what your agent is talking about.

[fantom]

Probably just the company policy. Unless you do work at home...then I would suggest you to get a home based business insurance coverage extension in your home policy.

which he mentioned he doesn't...

You should be able to get insurance no problem. Not sure what your agent is talking about.

they get paranoid as soon as some sort of business/corporate activity pops up, even remote chance of it... and most of them don't insure businesses/corporations. paranoia, I tell ya...