Generally, your personal property is covered on your homeowners/renters insurance polic, regardless of it’s location. I had a trailer sitting at friend’s shop. It was broken in to, ass was hi shop. His insurance covere him, my homeowner’s covered my stuff. Just make sure your policy coverage amount is high enough.
Doesnt apply to commercial spaces....you may need commercial insurance due to city/county/leasing requirements.
And you will probably need a business license to buy commercial insurance, then they expect to be able to charge you 10% of the business' gross annual income and if that is not enough, they will not cover you. Commercial insurance is a whole new mess, if you don't have to buy it to satisfy the building owner, I sure wouldn't. Gene
