[Styles Bitchly]

I also have a home-based studio with two insurance policies - one for my home, and one for my business. My homeowner's policy is with Farmers, and my business insurance is a "rider" through RLI Corporation. I would check with other insurance companies concerning this. Don't let your current provider try and scare you into higher premiums, or lower coverage. Remember, they're in this for the money, so they'll tell you whatever they want in order to make the bottom line more profitable.

Good Luck