Home Insurance for Working From Home

There are many instances in which a person may need more than what is offered by a standard policy of home insurance. Working from home on a regular basis is one of these situations.

A person may be working at home but using company equipment or they may be using equipment that they have bough themselves. The outcomes are still likely to be the same: there will be an increased need for, or an importance placed upon contents cover. To find the right home insurance so that you can work from home with the proper cover, compare deals above.

For some providers of home insurance, working from home represents an increased risk of having to make a payout and this will translate into higher premiums. Many companies, however, will allow an individual to extend their contents cover or will offer them a more specific policy.

It is worth noting that many insurance companies are also beginning to provide IT support services, and as the majority of working at home will utilise computers, this could turn out to be a particularly savvy purchase.

There are two types of contents cover home insurance policies for those working at home:

• Indemnity insurance will provide money fro damaged or stolen items, but will take into account the age of the item and the wear and tear
• ‘new for old’ will replace damaged or stolen items with new ones

Further important questions to ask while comparing home insurance quotes are:

• Is there an emergency helpline?
• Is there a no claims discount?
• Is there a discount for applying online?
• What exactly is the level of the cover provided?