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If you imagine that your new home based business does not need to be insured separately, since you already have homeowners' insurance, you have another imagine coming! Most homeowners' insurance policies limit loss of business property to $2500, do not cover losses away from home and exclude liability coverage for business-related activity. How's that for protection! But before you buy that insurance, assess your needs and get quotes from a number of companies to determine the amount and type of insurance suitable for your business needs. Incidentally, most businesses go in for property and liability insurance. Property Insurance - As the name suggests, this type of insurance covers your business for damage or loss to physical property. A comprehensive property insurance policy should cover equipment and machinery, office furniture, computers and accessories, inventory and supplies, fixtures such as lighting systems or carpeting and the actual building structure occupied by your business. Make sure you understand