Renting of Office in Home

On an HO3 policy, the insured is living in the house but is renting out a room for office space. An exclusion says that injury or property damage is not covered in connection with a business conducted from an insured location whether or not the business is owned or operated by the insured.

There is an exception to the exclusion though, that seems to grant coverage if part of the residence is rented and used as an office, school, studio or private garage.

This premium content is locked for FC&S Coverage Interpretation Subscribers

Enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.

  • Quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis