Home office insurance is a great way to protect the facilities and equipment you use to work from home. It offers different types of coverage, as well as assistance and services that you can include, to specifically meet your needs.
It’s like homeowners insurance that protects your home, but it also covers your workstation, documents, and other items in your home office. You can have protection for your home as well as your workplace.
Want to know more? Continue reading and find out what home office insurance is and how it works.
What is home office insurance?
First of all, consider that working from home does not consist only of opening a laptop and browsing the internet, doing research or any other activity. Furniture, equipment, materials, documents, working hours and everything else are present in this modality.
This method is usually adopted by freelancers and independent professionals who prefer to have their office at home. In turn, several reasons have also led companies to use this type of work with their employees.
Working from home brings to the home the activities that would previously have been carried out in the employee’s own office or in a company’s office. In fact, those who work in this model, whether permanently or intermittently, must have their own workstation.
This means that the space is like an extension of your home, but with a different purpose and dedicated to your work. After all, the success of a home office activity requires professionalism. Otherwise, the chances of it going wrong can be high and it may not be worth it.
For this reason, home office insurance aims to guarantee that those who work from home receive the same types of assistance that they would receive in a traditional company. With this vision, your workstation, furniture and equipment will be protected.
See now how home office home insurance works. Learn about the main coverages and benefits you can enjoy.
How does this insurance work and what are its advantages?
Home office home insurance is the same home insurance for protecting your home, but with a special focus on your work tools. It is, therefore, a specialization of home insurance, with a view to providing compensation support for your work tools, mainly.
However, as it is fully customizable, the insured can have access to a wide range of options to purchase the protections, 24-hour assistance and services that they deem most appropriate to their situation. Thus, in addition to protecting their work assets, they can also enjoy numerous available options.
Compensation amounts in the event of a loss are usually calculated based on the reconstruction value of the property, as well as the assets in the residence. When contracting, the compensation itself will ultimately depend on the option chosen by the insured.
This way, in the event of a claim, you will be compensated up to the amount contracted. All coverage options and amounts you have chosen will be explained in your insurance policy.
What are the main coverages for home office home insurance?
Since this is a home insurance policy, it has a wide range of possibilities. The most commonly sought-after and most useful coverage for working from home is that which protects furniture, equipment and objects used in the performance of work.
In this sense, the main agents of damage or loss that may be considered are, among others:
- smoke;
- fire ;
- aircraft crash;
- explosion;
- contact with water;
- rays;
- electrical discharges and short circuits;
- qualified theft;
- theft.
In addition to coverage for events of this nature, insurance for working from home can also include assistance and services such as:
- installation of TV stand;
- help desk for notebooks and cell phones;
- assembling and moving furniture between rooms in the house;
- fixing shelves and curtains in the workplace;
- electrician;
- keychain;
- plumber.
Home office home insurance has been receiving special service from some insurance companies: the help desk. This is a support service, which can be in person or remote (online), for solving technical and IT problems , very similar to what a company uses on its premises.
Why take out home office home insurance?
Taking out home office insurance brings advantages that cannot be ignored. So, here are some reasons why you should take it out:
- protection for your workplace, furniture and equipment, among others;
- protection for your home (if you didn’t already have home insurance);
- services and assistance that you can list before hiring;
- peace of mind to work;
- very affordable prices.
Also, consider that if you work for a company, they may be able to take out home office insurance for you. After all, they will probably also be providing you with computer equipment and other items you need to carry out your activities.
How to get the most suitable home office insurance?
The first and most important step to take when purchasing insurance is to rely on a trustworthy insurance broker . After all, your broker is the best person to guide you and provide you with the best options on the market, so that you can make your choice.
In any case, when it comes to the insurance company you choose , it is important to know some aspects that characterize a good insurance partner. Your broker will be able to help you by providing information such as:
- the types of insurance offered;
- home office home insurance suited to your needs;
- the premium amount (insurance price);
- the suitability and how the market views this insurer;
- customer opinion.
As you can see, home office insurance is a good opportunity to guarantee protection for your workplace in this modality. Thus, furniture, equipment and documents, among others, can be compensated in the event of an accident that causes damages and losses. After all, the peace of mind to carry out your tasks at home needs the support that insurance offers.