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What home based entrepreneurs should know about their New York home insurance.

If you've been relying on ordinary New York 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 New York 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 New York when your not there?

To keep your New York 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 New York is a claim free record, make sure you follow these guidelines.

The capital of New York is Albany. The largest city in New York is New York City. The most visited state park in New York is Gateway Natl. Rec. Area. The state song of New York is "I Love New York" Written by Steve Karmen.