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Woman on Laptop in BedDo you bring work home with you? If so, you could be bringing home more than just stress. In some situations, your business property could be lost in the event of a fire, theft, or storm. You have home insurance to protect your home itself from these types of risks, but do you have enough coverage to protect any business property stored at your home? It is important to know that most home insurance plans do not cover this type of loss.

Is Business Property Covered in Home Insurance?

Most commonly, your home insurance policy will not provide extensive coverage for any type of business property at your home. For example, let's say your company's laptop is brought home with you and is stolen from your home. Your home insurance can likely not cover this type of loss. If it was a personal laptop, on the other hand, it would likely be covered under your home insurance policy.

If you work from home on a regular basis and all of your business property is at your home, your home insurance isn't likely to cover any of it. Your policy generally only covers personal property and the structure of your home itself, although some home insurance plans may list specific coverage extending beyond this. For instance, if your policy names a work laptop as covered, it will be.

Still, it's not smart to assume that work property would be covered from loss or damage under your home insurance policy. All too often, this is simply not the case.

Protecting Your Business Property

Whether you work at home or just bring business property home, it is important to invest in a separate business insurance plan for these items. Your coverage can be as extensive as necessary, but it should specifically cover any assets related to your business that your home insurance plan does not protect.

Take a few minutes to read through your current home insurance policy. Learn what is included in it and just as importantly, what is excluded. Then, adjust your policy or purchase a secondary level of protection for any business property otherwise not protected. This will help you if both your personal and business property are damaged or stolen in a covered event.

We've got your back. Call Fleming & Riles Insurance at (800) 833-4379 to get a free Georgia home insurance quote.
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