Is there a business in your home? The answer may surprise you. What you might consider a hobby or a convenience may actually be considered a business by an insurance company - or a court of law. Questions relating to home businesses have often been the source of litigation. And as a result of such litigation, courts have identified the following criteria to establish the existence of a business: continuity and potential for profit.
If you answered "yes" to any of the above questions, there may be a home business exposure that's not covered by your current homeowner's insurance policy. Call your agent at Avery Insurance to make sure your "hobby" has not, in fact, become a business.