Hi Joanie! Thanks so much for your information! It seems like the county and city have precedence over state so depending on county I am finding makes s difference. Thankfully the homeowners insurance I have will do a very cost effective liability if done in home. I got so many different quotes but they will tie to overall home too. Good idea on the leasing of space, too! We will see what happens! I know there are MANY in our area not doing it legal.