Be aware that homeowner's insurance policies do not cover business activities conducted at your home or business activities by the insured at another location.  If you are conducting business activities in your home or elsewhere, consult with your agent to make sure you are covered properly.  A Zumba instructor was sued for causing injury to a participant in a fitness class and the insructor turned in the claim to their homeowners insurance which was denied because this activity is specifically excluded from coverage.