Home Insurance And Work At Home Setups

​Since the pandemic, many companies have laid off employees, lost clients, or gone bankrupt. Some survive but keep up with the ever-changing online world. People are forced to stay indoors, and employees work from their homes. Are you wondering if your home insurance still covers you while you're in your home office? Continue reading to find out more.

Home Insurance
This coverage offers financial protection in case of damage or liabilities during disasters or accidents. The insurance company will cover expenses based on your selected perils of coverage and premium rates.

Work at Home
Work from home became well known after the Covid-19 pandemic since it forced people to transition from their company buildings into setting up an office in their homes. Same as working from an office, but no transportation and more focused on video call meetings. Some companies still allow work-from-home setups, and others adopt it entirely.

Does Home Insurance Still Cover You While Working From Home?
Since many are working from home, there might be concerns with homeowner insurance. For instance, can it cover your equipment expenses, or does it cover you while doing business at home and the liabilities that can come with that?

There is no "work from home insurance", but your home insurance may cover your work equipment such as your computers. If you are employed, and your equipment is provided, your employer will cover it.  

There is also personal property coverage from some policies that you can use to cover your equipment if it happens to be damaged. Fires, smoke damage, burglary, and some water damage can be covered by a home insurance policy, which usually pays out certain amounts for business equipment. 

There are no specifics to cover accidents or damage to your employer's property for full-time employees. Remember, there are limits to different policies; some may include minor expenses in your policy, like personal liability coverage. Knowing and revisiting your policy guidelines or asking your agent for more information is important. 

Conclusion
Even though years have passed, working from home requires adjustments, especially for employees. The more we stay at home, the more we need home insurance. It would help to know the limits and coverage of your policy. These help you have confidence and prepare for any expenses you might incur in the future. 

At Roper Insurance Services, we do our best to ensure that our clients are well-protected with affordable and comprehensive policies. We will go the extra mile to help you with your needs. To learn more about how we can help you, don't hesitate to contact our agency at (828) 697-6709 or Click Here to request a free quote. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!