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What home based entrepreneurs should know about their Michigan home insurance.

If you've been relying on ordinary Michigan home insurance to protect your home based business, your reliance may have been misplaced. That's because most policies exclude most business property from their coverage. And they exclude all liability for bodily injury or personal damage arising out of any business in which an insured person engages.

The fact is, you may not need to buy a costly commercial business policy. You may be eligible for a complete Michigan home insurance program one that covers both your home and business. Eligible in home businesses range from certain service providers to sales operations.

How to protect your home in Michigan when your not there?

To keep your Michigan home insurance rates down, it's best to minimize your risk of submitting a claim for stolen property. Visibly empty homes are prime targets for break ins by thieves. Follow these guidelines and boost your confidence in coming home to a quiet and peaceful home the way you left it:

Leave shades in normal positions, but keep valuables where they can't be seen.
Trim shrubs and trees so criminals have less hiding places.
Connect light switches and radios to an automatic timer, ask your home insurance agent easy ways to do this.
Don't tell the neighborhood about your travel plans
Stop all mail and newspaper delivery

The key to paying lower home insurance rates in Michigan is a claim free record, make sure you follow these guidelines.

The capital of Michigan is Lansing. The largest city in Michigan is Detroit. The most visited state park in Michigan is Sleeping Bear Dunes National Lakeshore. The state song of Michigan is “Michigan, My Michigan” (Written by: William Otto Miessner & Douglas M. Malloch).