MOST agents will not call their underwriting department and tell them that you called and asked about the candle business in your home. They would rather get the commission when your renewal rolls around than have the UW department nonrenew your insurance because you "might" be making candles in your home to sell. However, if part of the agents pay is based on Loss Ratio, he could start asking questions. It really depends on the individual agent. He may be hungry for the renewal commission or he may be one of the anal ones that reallllllllly watches his insureds. I would say that if you are making a candle for yourself, it would be fine. People make crafts everyday. However, if they find out that you are selling them and it's an exclusion, there wont be any coverage. I don't think I've been much help because companies are different as well as agents beliefs but if I was in your shoes.... I would call around to OTHER companies and get quotes and let them know up front about the candle business in your home. That way you know up front if it would be covered with them and not wonder after you've wrote the policy. Call an independant agency. They have several different companies to quote with. HTH! Chantel