No, standard homeowners policies don't cover flood damage—you’ll need separate flood insurance.
Yes—home policies typically don’t cover business liabilities, equipment, or client interactions.
Only up to set limits; you may need a rider or scheduled personal property coverage for full protection.
Premiums can increase due to inflation, local risk factors, or rising repair and rebuilding costs.
Minimum requirements vary by state—typically liability coverage is required; we can help check your state’s limits.
Often yes, if you carry full coverage—but it's best to check specifics or consider rental car insurance for peace of mind.