***Effective 12-14-18 our Wintersville office has moved to 215 Main St. Wintersville OH 43953

Auto Insurance AUTO Read More
Homeowners Insurance HOME Read More
Business Insurance BUSINESS Read More
Life & Health Insurance LIFE & HEALTH Read More
Bonds BONDS Read More
Target Markets TARGET MARKETS Read More

Common Homeowner Exclusions


                Homeowner policies come with coverages for both property and liability.  When a policy is written, it is intended to cover the normal functions and operations in a home.  Some people have unique liability exposures that could be excluded from coverage under their homeowner policy.  Two very common exclusions are farming and business pursuits.  

                In regards to farming, most everything that has to do with farming would be excluded from coverage on a standard homeowner policy.  Even if the owner is simply operating a hobby farm, there is usually no coverage for this type of operation.  This person betters into a “farmowner” policy, which while similar to a homeowner policy is designed to take on the extended risks associated with farming.

                In regards to business pursuits, if the business is very small and there isn’t foot traffic coming in and out of the home, sometimes there is an endorsement that can be added to the homeowner policy that would extend this coverage.  If not, the business owner ought to have a general liability policy in place for his or her business pursuits.  This would provide the needed coverage.

                Please always remember, McBane Insurance can be home for all of your insurance needs from auto, home, life and health to business.

Posted 11:42 AM

Share |

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2016

View Mobile Version
© Copyright. All rights reserved.
Powered by Insurance Website Builder