Many people have started side hustles to supplement their earnings, with nearly 1 in 3 Americans engaging in such activities. Around 19 million US businesses operate out of the owners' homes, taking advantage of the simplicity and cost savings of working from home.

These home-based enterprises can include gig work, merch-making, and freelancing. However, they may also create gaps in homeowners insurance coverage.

Further information on this issue, including potential solutions, is available from TheZebra.com.