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As others pointed out, find a local broker, tell them what you need to do and they can advise you on what it best for your situation.
Also, if you are running a business you do not want your home owners insurance covering any part of your business, especially if the business is set up as a LLC. You want to keep everything separate as best you can.
You want you personal stuff separated from your business stuff as much as possible because if someone is coming after you they want it all and any links between person and business assets becomes fair game.
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