Client's house in a gated subdivision, single detached, used as residence and mini grocery. Is this acceptable under Home Care Advantage?

• A. Yes
• B. No
• C. Only if the subdivision allows home businesses
• D. Only if you obtain prior approval

Answer: (B)

Home Care Advantage is designed for a dwelling used strictly as a private residence. Operating a mini grocery from the same house introduces a business use (customer traffic, inventory, revenue, and liability exposure) that changes the risk profile and is not covered under a standard homeowners arrangement. Because of that, this setup would not be considered acceptable. Even if the subdivision allows home businesses or you obtain prior approval, the policy itself typically won’t cover a home-based retail operation—you’d need a separate commercial policy or an endorsement that accommodates business use.