My girlfriend/partner got a letter from her insurance company last month saying they were dropping her homeowners insurance. The reason they gave was that she was running a business out of her home. The real reason was she called them during the late fall, early winter because a heating pipe had leaked and caused some water damage. She had a plumber inspect it and he said it was a failed solder joint. The insurance company made her submit a few months of gas and electric bills and said that the amount she paid was low so the pipe must have frozen. They refused to pay the claim. Jump back to now, and when she asks about the home business, she is told, "you are selling honey from you house" Apparently, when the adjuster came they saw the little paper sign she had drawn and put in the window saying Honey, and the 3 or 4 jars she keeps on the front porch, so people can pick it up their instead of driving the 5 miles to my house. I wouldn't exactly call that a case of operating a business from home, but insurance companies' objective is to take your money, but fight tooth and nail to keep from ever paying any back to you.