The Best In Home Business Insurance 2023. Home contents insurance (hausratversicherung) which covers movable belongings such as furniture, clothing, jewelry, and equipment building insurance, or homeowners insurance (wohngebäudeversicherung) which covers the fixed property such as walls, floors, ceilings and fitted units The policy may also offer up to $750 worth of coverage for your business property while it's away from your home.

Decide how much coverage you need. Chat with an insurance agent to make sure your insurance matches your business needs. Most standard homeowners insurance companies offer a policy endorsement to increase the limit of liability on property used for business.