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If You Are Working From Home, Is Your Equipment Covered Under Your Homeowners’ Insurance Policy?

Americas Insurance Associates, serving the greater Florida region, wants to help people better understand their homeowners’ insurance policies. As more and more people are working from home, one of the questions that often comes up is whether equipment, such as work computers, is covered under your homeowners’ insurance policy. Here is information every homeowner needs to know if they think that their policy will cover their work equipment. 

Being a Full-Time Employee Working From Home

If you are a full-time employee working for a business that has you working from home, chances are, their business liability insurance policy will cover their equipment while you are working from home. As such, if your home gets broken into and the equipment is damaged, you may want to reach out to your employer to ask about their insurance policy. However, in some cases, your homeowners’ insurance policy may cover company computers if your home floods or catches on fire. 

Working From Home as an Independent Contractor or Running Your Own Business

If you are running a business out of your home, and you are working as an independent contractor or are working for yourself, your equipment is not covered. Any element of a business is not covered by your homeowners’ insurance policy, including any product or equipment. You must have a separate business policy to protect a home-based business. 

If you are working from home, your work equipment is not typically covered under your homeowners’ insurance policy. However, there are add-ons that you can add, such as business liability insurance, that may cover your equipment if you work from home. Reach out to Americas Insurance Associates, serving the greater Florida region, to get help finding you the ideal homeowners’ insurance policy to cover all of the items in your home. 


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