If you work from home, here’s what you need to know about insurance.
If you work from home, your homeowner’s insurance policy may not provide enough coverage in the case of an accident, theft, lawsuit or other incident that relates to—or impacts—the work you do at home.
To determine if you need extra coverage, your insurance professional will ask these questions:
- What kind of work do you do?
- How often do you work from home?
- Do you work for yourself or are you employed by someone else?
- How often do customers or clients visit your home?
- What kind of special equipment do you have at home to do your work?
Your answers will determine the kind and amount of insurance you need.
Even if you don’t need extra coverage, you should inform your insurance professional about the fact that you work from home. If you don’t disclose this, you may find that your homeowner’s policy is no longer valid. And no day at home in your pajamas is worth that.
Are you covered when you work from home? Find out for free.
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