Home office rider to homeowners policy

[Calvin Gittens]

I'm in central florida and a new investor. My insurance agent just quoted me $500/yr to add my home office onto my homeowners policy as an endorsement for only $2500 in coverage for the home office. Are there any cheaper alternatives? I cant justify that cost vs. coverage ratio ( although i may have to so i dont run the risk of a costly claim being rejected if the insurance company finds out i'm running a business out of the home)