More people than ever are working solely from home or splitting their time between regular and home offices. Here at Virtual Insurance Agency, serving the greater Northville, MI area, many people have asked if their home computer equipment that is used for work is covered by a home insurance policy or whether this is something that a commercial insurance policy would be needed to cover. Read on to learn more about the answer to this question.
Does My Home Insurance Policy Cover Work From Home Computer Equipment?
If you own the equipment that you are using to work from home, such as your laptop or the computer, your equipment is for sure covered by your home insurance policy. Things start to get dicey if you do not own the equipment. This is because your home insurance policy covers your personal property but typically excludes property in your home that does not belong to you. As such, your policy may not cover the equipment that you do not own. However, as working from home continues to gain popularity, more policies are being implemented to adjust and cover basic equipment, including computers and laptops that your employer may own. It is always important to read your policy to learn whether your work-from-home equipment is covered.
Your home insurance policy may cover the equipment you use to work from home, depending on who owns the equipment and the terms of your home insurance policy. If you are working from home, you must select a policy that fully covers you and the equipment stored in your home. Contact us at Virtual Insurance Agency, serving the greater Northville, MI area, to get help finding a home insurance policy that covers you and your work-from-home equipment.
