This sucks. I decided to tell the truth since I am at heart an honest person, and I had the feeling that I was trying to get away with something. I fessed up to my homeowner's insurance company that I was "starting" to run a business out of my house, that I had a gallery space open to the public, and oh, by the way, I have a gas kiln in my enclosed car port that incidentally is attached to my house.
I was very clear that my main concern was this kiln. I assumed that there must be some kind of coverage since I am the third potter in this house to have used this kiln. I did not install it there. Surely the other two had coverage.
The agent on the phone assured me that the kiln would be covered under my homeowner's policy. Then she transferred me to someone who set me up with a business liability policy. At that point, I was feeling pretty responsible.
Unfortunately, the feeling was fleeting. After reviewing the information I gave them, they wrote to inform me that they are not renewing my policy when it comes up in June. If anything happens between now and June 12, my claim would be denied regardless of whether the kiln is involved or not.
I understand a written letter is the legal way to handle the matter, but I have used this company to insure my cars since I was 17. This is the fourth house I've insured with them. Isn't a 25 year relationship worth a phone call?