In recent years, there has been an increase in Texas employees working from home. Whether an employer allows remote work or you are operating your own business from home, it’s essential to know if work from home is covered by home insurance. For individual circumstances, it’s best to contact your agent at AAIGOT Insurance Agency Inc. serving Houston, TX. But in general, here is what you need to know.
Work From Home is Different Than a Home Business
There’s an important distinction between working from home and a home business. Work from home implies you’re employed by an outside company, while a home business implies you’re working for yourself. In a work-from-home situation, your work devices, such as laptops, printers, phones, etc., may be owned by the company and covered by the company’s insurance. With a home business, your work devices and equipment would be owned by you, and you would be responsible for coverage.
Home Insurance May Not Cover Business Equipment
Each case is different, but in general, business equipment and electronic devices would be best covered by separate business insurance. This would help to ensure that purely business-related losses, such as data loss may be covered by your insurance. Otherwise, there’s a chance that you could face an unrecoverable loss.
Consult With Your Insurance Representative at AAIGOT Insurance Agency Inc
If you’re in a work-from-home situation, you should definitely consult with your insurance representative to confirm what work-related items are covered and what isn’t. You should also confer with your employer to see if they offer coverage for company devices you use at home.
For all your home insurance needs, contact AAIGOT Insurance Agency Inc., serving the needs of residents of Houston, TX, and surrounding areas.