Home Based Business - Rooming

Who? Policies described on this page are specifically for small home businesses that involve renting a room or rooms but no more than 3. In some cases food or board may also be provided to your roomers.

Why? Your home business will be uninsured for both property and liability coverage on an unendorsed homeowners policy. Therefore, your homeowner's policy will not cover your operations, inventory, business property, or business liability.

Another reason for insurance is to answer a demand from a municipality or other entity that you provide them with proof of liability insurance and naming them as additional insured on your policy.

How Much? Pricing is generally created based on how many rooms you rent, the areas of your property that are open to the public, food and services provided, and the amount of furnishings and materials dedicated to the rental. To learn more, contact us at 607-843-8860 or insurance@drickardinsurance.com.

What? The homeowner's policy will add features that are not included in the common policy including business liability and business property coverage.

Contact us at 607-843-8860 or insurance@drickardinsurance.com for qualification consideration, coverage information, and limitations to your policy based on your needs and your selected insurer.