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 What does face value mean on a life insurance policy?
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 Whole life insurance?
if my whole life insurance policy is for 10,000 and it is paid up...how do you know the cash value of that?...


 Does my Automobile liability coverage cover my medical costs?
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 Can another person be added to auto insurance?
my neice in another state wants me to put her on my auto insurance plan . Its her car she is 24....


 CPCU vs. MBA?
I am enrolled in an MBA program (which is a So-So program) at the University of Tennessee-Chattanooga. I have completed 1 class out of 12. I am currently working at a Commercial Transportation I...


 I need help please...?
I'm 21 yrs old and pregnant for the first time. I have a job at GE but it's an internship because I'm in college full time. Since it's an internship, I can't get benefits yet ...


 What would happen if you needed medical attention, yet you don't have health insurance?
What services are available and where might you get them?...


 What happens when an employee's FMLA time runs out and they are unable to work?
A fellow worker has had heart surgery and is off on FMLA leave because our company does not provide sick time. The company is trying to revoke his insurance because he has not worked the requisite ...


 Licensed insurance employee isn't called an agent but what?
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 Why won't my insurance company replace our cabinets with equal cabinets?
We had a house fire a couple of weeks ago and it destroyed our kitchen. The insurance guy told us that we had top of the line cabinets and that we would get the same quality when we replaced them. N...


 Injured at work. Company Insurance (walgreens)
I hurt my back while at work (walgreens) and need to get an X-ray. The boss said that the insurance ppl haven't called him back yet, so to just go pay out of pocket. but shouldn't there be ...


 Could i be searched for being suspicious? could I make lawsuit on being suspicious and searched?
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 Is there a company that will help you pay your light bill?
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 How can I get insurance for my fiance with cancer once we get married?
My fiance and I were engaged in May 2007, we are planning to get married in October 2008. In October 2007 he was diagnosed with cancer-- both of us being college students, he is still covered under ...


 Is there any online courses that I can take that will help in getting a insurance license.?
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 Can my husband's insurance company......?
My husband's employer is changing insurance companies at the first of the year. They stated if your spouse can get insurance for $85 or less through their employer, then they will have to do so....


 UK Health insurance and pre-existing illnesses?
I have depression and everything that comes with it. Now i get insurance some with cover this type of thing. But not this coz i've had it in the last 5 years and still have it now. There has to ...


 Can someone explain what a deductable is?
I've always been under my dad's insurance because I was a full time student. I just started a full time job, and I recently got my own insurance. I was just wondering if someone could ...


 Life Insurance Through Bank of America?
Has anybody purchased life insurance through Bank of America? I signed up around December '07 and saw the first debit in my bank account even though I had received nothing in writing from them. ...


 Does car insurance cover damage done my hitting a cyclist?
Hi, My brother was recently hit by a lady when going around a round about. He was obeying all road rules but she did not se him when she entered the round a bout. He has no personal injures besides ...



Phil S
No real business taking place in the home but will homeowners insurance give me a problem?
None of my business takes place in the home as I run a limo company with only 1 limo. The only thing I have in the home is my computer but that is it. Will homeowners have a problem with it if there is no actual business taking place even though it is considered a home based business? Can they find out?
                     
 




blb
Basically you have an office in your house. As long as you don't have employees and people coming to the house you should be fine. You should contact your homeowners agent and explain the situation. There are many home based businesses that can be endorsed on the homeowners policy. The most important is to have business liability endorsed to your homeowners.

I have quite a few customers that have home based businesses. It really depends on the type of business and the flow of traffic in and out of your house.

Contact your insurance agent.


mbrcatz
Where is the OFFICE for the limo? If the OFFICE Is in the home, you'll probably need to show the homeowners carrier that you have a public vehicle policy in place. As long as you don't have any employees or passengers on the premises, and you have a public liability policy in place, it shouldn't be a big deal.

You ALSO might want an endorsement on your homeowners policy, to cover your business (office) equipment, including computer, as coverage for business equipment is normally limited to $250.


sdhinternet
the home owners can terminate your tenancy if you are using the address for business purposes without their prior consent.
Also if you have anyone visiting your home in realtion ot the business even a one off, you need business insurance


whatevit
A home business is a business that operates from home. Your LIMO DOES NOT QUALIFY AS YOUR HOME. Yes you are self-employed, but this does not mean that you have a home business. YOU ARE FREAKING OUT OVER NOTHING.


justwondering
If you ever have a claim the homeowners will not cover the business loss. Business insurance has all sorts of extras for loss of use of the limo and business records etc. You can get business insurance at a residential location - check it out.


california bill
Your HO policy will not give you any problems as long as you understand there is very little property coverage and no liability coverage for a home based business. They don't cover it so they don't care.

But if YOU care for peace mind just buy a little commercial policy to give you a little liability coverage and coverage for the stuff in your office for about $500. Get it through the agent who does the limo insurance.


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