Many home business owners operate with a serious gap in their insurance coverage, either because they don't realize homeowners insurance doesn't cover business risks or because they don't want the expense of a separate commercial insurance policy.

Some insurers let you extend your homeowners policy to include business use of your premises. So it costs less than a traditional business policy, partly because there are no overlaps in coverage. Plus it gives you the convenience and security of having all your protection under one roof - just like your home and your business. So if you ever do suffer a loss, you'll only have to make one phone call to get the help you need. With some companies, you may even be able to customize protection to meet the needs of your particular business.