When running a business from home, it is essential to understand how it might affect your homeowner's insurance:

1. Home-Based Business Risks: Operating a business from your home can introduce additional risks not typically covered by a standard homeowner's policy. This includes any business-related inventory, equipment, and liability issues that arise directly from your business operations.

2. Inventory and Tools: Generally, personal property coverage under a homeowner's policy will not extend to business inventory or tools. You would need specific business insurance coverage to protect these assets adequately.

3. Policy Ineligibility: If your home business generates significant traffic or involves hazardous materials, your home insurance policy might deem your property ineligible for coverage. This consideration underscores the importance of adequately insuring both the home and any associated business risks.

4. Business Insurance: To ensure comprehensive protection, consider obtaining a business insurance policy that covers liability, property, and any other business-specific risks. This type of coverage can shield you from legal claims and financial losses related to your business activities.

These considerations highlight the critical need to review your insurance policies and possibly consult with an insurance agent to ensure both personal and business assets are adequately protected.