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When I decided to start Posh&Page, my vintage shop side business, small business insurance was the last thing on my mind.

I was having too much fun sourcing pieces and filling up the guest room of my house with the latest finds, which I'd photograph, measure, price, and upload to Etsy. I was looking for a project that would be profitable so it wouldn't be a drain on my finances. That would mean I'd have to keep my then-day job, which I didn't enjoy, to justify having Posh&Page. I didn't know where my little business was going, but fun and profitable were my primary goals.

And insurance isn't my idea of fun. Plus, insurance cost money — which was not what I was going for.

After a year or so of running my shop, I had to grow my inventory to keep up with demand. Instead of a couple of items in the corner of my guest room, my vintage wares took up nearly the entire guest room.

I knew I didn't want to open a brick-and-mortar or get a storage unit, so I'd have to keep finding space for the inventory in my small Cape Cod-style house. Which is to say, my vintage shop goods were taking over my little cottage of a home.

When the guest room-turned-warehouse got too chaotic, I spent a few days organizing and realized that between vintage clothing and accessories, artworks, and rare books, I'd accumulated about $10,000 worth of items when sold at retail value.

And because I'm nothing if not an anxious millennial, my mind immediately went to the worst-case scenario: What if my house caught on fire? Or what if a tornado blew it all away? The climate apocalypse feels impending, so what if a hurricane hit the Midwest? (Climate anxiety is real, y'all.)

While there would obviously be more pressing considerations in the event of a serious catastrophe, like ensuring my partner and my cats were okay, the idea of losing an income stream during what would be an incredibly stressful — and expensive — time weighed on me. Because we own our house, I reached out to Farmers, with whom we have homeowners insurance, to ensure the inventory in my home-based business would be covered as well.

That was when I learned that while the company will cover personal belongings, it won't cover business items without additional home business pursuits coverage. But how much would it cost?

The rate I got was $9.23 for that initial signup, and the coverage costs $30 for the year in total, so roughly $2.50 per month. All that worrying over nearly nothing. I signed up immediately.

Now there's a line item on my insurance bill for "business pursuits on the premises." Even though I've since downsized the vintage shop to focus more on writing, I chose to keep the insurance add-on, because it's a small price to pay for peace of mind.

Your insurance rates will vary based on your location and whether you rent or own — if you rent and don't already have renters insurance, get it! Either way, it's worth calling (even if you're a phone-averse millennial like me) to ask about business coverage if you're running any kind of money-making venture from your home.