Insurance question - GoFuckYourself.com

selena · 02-20-2009, 07:52 AM

Does anyone that works out of their home have a home business insurance policy? If so, who wrote it for you?

I have State Farm for my homeowners, and I have the maximum business endorsement that I can have with that policy. ($5,000). My inventory is worth more than that, and they do not write business policies for internet based companies.

UFGators2007 · 02-20-2009, 10:13 AM

bump for a good post

ravo · 02-20-2009, 11:03 AM

We have a full commercial policy, incl professional liability from Lloyd's of London for our home office.

Barefootsies · 02-20-2009, 11:06 AM

Yep. I have a rider to my homeowners. I wanna say it was an extra $64 or 100.00 a year?

Rider also includes up to $25,000 to cover all my computer, camera, electronics in home office(s).

selena · 02-20-2009, 11:23 AM

Quote:

Originally Posted by Barefootsies

Yep. I have a rider to my homeowners. I wanna say it was an extra $64 or 100.00 a year?

Rider also includes up to $25,000 to cover all my computer, camera, electronics in home office(s).

Who do you have coverage with, if you don't mind me asking.

Barefootsies · 02-20-2009, 11:38 AM

Quote:

Originally Posted by selena

Who do you have coverage with, if you don't mind me asking.

I go through a company called, Michigan Millers. I am not sure if they are Michigan only, as the name would imply, but they have some REALLY nice rates! They beat State Farm's quote for my house by almost $400.00! Most others by $250 or so.

I ended up switching my vehicle to them as well, from State Farm. They were pretty much the same on full coverage for my '05 Escape. But I get the discount for the multiple policies.

I had them send me the info on life insurance as well. I just have not gotten around to it. I apparently have to have some kinda medical test for that prior to coverage. I wanted to get around $250,000.00 so that my house, student loans, and everything, is paid off should something happen to me. My sister and niece can have my house and stuff without worry.

Unfortunately, they can't do my '08 SeaDoo. So I still have that through Progressive, although they can run/handle it through their agency. So I will switch that to them when I renew in June.

When you renew your policies, they automatically 'shop' you as well. So you get the lowest rate before your renewals. Which is a nice bonus, and saves me the hassle.

02-20-2009, 07:52 AM	#1
selena Confirmed User Join Date: Aug 2004 Location: On The Edge Posts: 7,994	Insurance question Does anyone that works out of their home have a home business insurance policy? If so, who wrote it for you? I have State Farm for my homeowners, and I have the maximum business endorsement that I can have with that policy. ($5,000). My inventory is worth more than that, and they do not write business policies for internet based companies. __________________ ~ Doer of Things at MetArtMoney Where Flawless Beauty Meets Art ~The MetArt Network ~ selena.delgado9

02-20-2009, 10:13 AM	#2
UFGators2007 Confirmed User Join Date: Nov 2007 Location: Florida Posts: 1,739	bump for a good post __________________ "I use the Google to pull up maps."

02-20-2009, 11:03 AM	#3
ravo Confirmed User Industry Role: Join Date: Jun 2001 Location: Skype: ravo.fpctraffic Posts: 5,449	We have a full commercial policy, incl professional liability from Lloyd's of London for our home office. __________________ AdultAdBroker - Buy and Sell Your Flat Rate Banners, Links, Tabs, Pops, Email Clicks and Members' Area Traffic - updated December 2025

02-20-2009, 11:06 AM	#4
Barefootsies Choice is an Illusion Industry Role: Join Date: Feb 2005 Location: Land of Obama Posts: 42,635	Yep. I have a rider to my homeowners. I wanna say it was an extra $64 or 100.00 a year? Rider also includes up to $25,000 to cover all my computer, camera, electronics in home office(s). __________________ Should You Email Your Members? Link1 \| Link2 \| Link3 Enough Said. "Would you rather live like a king for a year or like a prince forever?"