Working From Home in SC?
Your HO Policy Has Gaps.

Sometimes — but don't assume. Many employers provide coverage for company-owned equipment used at home, but this varies significantly by employer and policy. For your personally owned equipment used for work, your homeowners policy applies — and the $2,500 business property sub-limit is rarely enough for a full home office setup.

A laptop used for work is business property — and your HO policy's $2,500 business property limit may or may not cover it adequately depending on the laptop's value and your policy's specific language. A quick review of your current policy tells you exactly where you stand, and an endorsement to increase that limit costs very little.

Almost certainly yes. A home-based business that sees clients, stores inventory, or generates significant income needs commercial coverage that a homeowners policy cannot provide. In-home business policies start as low as $150–$300/year and provide the liability and property protection your business activity requires.

Usually not. A basic business property endorsement adding $5,000–$10,000 of equipment coverage typically costs $30–$75/year — far less than the deductible you'd face if your equipment were stolen or destroyed without proper coverage.