Following my own gut feeling as well as the advice of more seasoned potters, I told my Homeowner's Insurance company the truth about running a business in my home and having a gas kiln. After specifically asking them about the kiln's location and explaining my business, the agent reassured me on the phone that everything was in order. They set me up with a business liability policy, stating I didn't need property coverage since that would be covered under the homeowner's policy. I received a letter today stating that they are going to cancel my homeowner's policy as of June 12.
I know why many of you have a completely separate studio from your homes. My studio is in the basement. The gallery is part of the house and the kilns are in an enclosed attached carport. The 18 cu ft Bailey was in the house when we bought it. It's certainly not where I would have put it, but I figured it had to be okay since two other potters had used it in that location and must have had insurance. Right?
Now, I have to shop around for a new homeowner's policy. Does anyone else have a studio in their home? Any recommendations on insurance companies? I've been thinking that I might need to move the kiln, but will that make a difference?