Perhaps you run your own home-based business. Maybe you have a telecommuting agreement with your employer. Whatever the case, an increasing number of people are making more and more use of their home offices these days. That also means that more and more people have more and more equipment in their home offices.
The trouble is that many of these people also assume that their home insurance will cover them if something were to happen to this home office equipment. Unfortunately, that isn’t always the case and that’s why it is important to consider having appropriate home office insurance. You’d hate to lose hundreds or even thousands of dollars worth of equipment through theft, fire, or natural disaster.
There are a few different ways that you can make sure you are covered. First, you can extend your typical homeowners or renters insurance to cover your home office equipment. This will raise your premium, but then you’ll know that you are covered. Alternatively, you can get a separate business insurance policy or even a specific home office insurance. Check with your insurance agent to see what options you have.