it's not always true that your homeowners company will drop you as my business policy and homeowners are with the same company. One thing I don't think a lot of people think about is all the supplies you have in you home - or if you do craft shows. You DO NOT have coverage under your homeowners for property used in business, or if you were going to a craft show or home party and were involved in an accident, you don't have coverage under your auto for everything in you vehicle.. just something to think about !