I recently took out insurance on a small studio space I'm renting. I was also in my home for a long time beforehand.  The agent came and took pictures of the building and of the inside of my studio with, of course, all of my stuff in it.  It occured to me that if I ever moved my studio back into my home, say, if we built a new home with a studio space in it, I would pursue getting that space insured also.  The thing to do would be to ask your home insurance agent (that's who did my studio).  They would be up front with you, hopefully.  My 'almost' dilemma was that "artist studio" was sort of hard to find in their database of things to cover.  They ended up categorizing me as a business even though I mainly paint for myself - I just needed to get all of my stuff out of the house (too much clutter!).  But in the business category there was 'art studio' listed.  Therefore, if I had a studio in my home they would probably do the same thing.  It probably wouldn't matter what the building looked like, whether it was in a gallery, a warehouse, a tent, or one's home.  They would categorize me the same and take pictures of where I'm located.  That's just my assumption.  I would contact an insurance agent, and different companies will offer varying coverages.  For instance, a neighbor who works for an insurance company was trying to sell me on switching to them.  When I asked about a studio she looked into it and then gave a vague "We may not be able to do that" type of answer, when our existing company was perfectly fine with it and actually had a category listing to put me in.  I hope this helps, although you've probably gotten it straightened out by now.

Sister