A great deal of home office equipment, such as computers, fax machines, copy machines and the like, are generally excluded from most conventional homeowner's policies. As such, you have to obtain separate insurance to cover them. Insurance becomes particularly important if you see clients in your home office. That means you likely need liability insurance as well, so check with your insurance agent to make certain all your bases are covered. Not only does it add extra liability coverage for where you live, but you also get additional liability coverage for your car.
Every state requires that drivers have some sort of automobile insurance in place.
Even if they didn't, it would be sheer madness to drive even one inch without some form of protection. Slam into someone else and wreck another car or kill someone, and your financial life could very well be ruined without the protection of auto insurance. The biggest bite of auto insurance comes from liability protection, which is effectively divided into bodily injury protection and property protection. This is one element of auto insurance you shouldn't shortchange. Additionally, if you can swing it, add on uninsured motorist coverage, which protects you in the event you have an accident with a driver who has no insurance.