Power outages in individual locations are variable. The situation in any home office should be assessed based on local information. However, for a general rule, industry sources provide some rough estimates for North America. It is thought there may be approximately 15 power outages a year that are enough to cause a problem for computers in offices. Most outages last less than five minutes. Overall total time of lost power during a year is approximately one hour and 40 minutes. [Source: http://www.crawfordtech.co.nz/datasheets/PoE_inside_or_out.pdf ]
Looking at these numbers in terms of running a home business where the computer probably is not running 24/7/365, each owner might make an informed estimate about the cost/benefit ratio of a UPS. For example, let’s say you are working and on the Internet from 9:00 AM to 5:00 PM. Although most home office workers I know are not this structured—I am just as likely to be working at 7:00 PM as at 7:00 AM, a little thought experiment works better with a specific example.
In this situation, you would like stable computer use for a total of eight hours (480 minutes) a day, allowing one hour off the PC for lunch. Assuming a five-day workweek and two weeks annual vacation, this adds up 120,000 minutes with a live computer a year. Using 100 minutes per year as average total outage,seems to suggest the likelihood of a power failure during work hours is less than 0.08%, or less than one chance in 1,000. So why spend several hundred dollars or more on a UPS?