{"id":2147,"date":"2021-01-07T14:18:24","date_gmt":"2021-01-07T14:18:24","guid":{"rendered":"https:\/\/www.homeinsuranceking.com\/blog\/?p=2147"},"modified":"2021-01-07T14:18:26","modified_gmt":"2021-01-07T14:18:26","slug":"who-covers-my-office-equipment-when-working-from-home","status":"publish","type":"post","link":"https:\/\/www.gethomeinsurancequotes.com\/blog\/who-covers-my-office-equipment-when-working-from-home\/","title":{"rendered":"Who covers my office equipment when working from home?"},"content":{"rendered":"\n
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In a recent Pittsburgh Post-Gazette article, John Sebak, owner of Sebak Insurance Agency in Natrona Heights detailed a recent claim he dealt with that involved a person working from home who was in a car accident that destroyed his work computer. The question the claim presented was does the employer\u2019s insurance cover the laptop or does it fall to the employee\u2019s insurance. <\/p>\n\n\n\n

\u201cThe car insurance didn\u2019t cover it, but their home insurance policy did,\u201d said Mr. Sebak, in the Post-Gazette article. \u201cThe employee was responsible for the computer, he said, which is why the employee ended up filing the claim and paying the $500 deductible. But it was still cheaper than paying the full price for a new computer.\u201d<\/p><\/blockquote>\n\n\n\n

As more and more people work from home while using company equipment, this question has started coming up more frequently. If your home is burgled, burns down or even if one of your children knocks a cup of juice over onto your work computer you could end up buying the company new office equipment. <\/p>\n\n\n\n

\u201cWe are in uncharted waters for a lot people and the situations they are in,\u201d Mr. Sebak said in the Post-Gazette article.<\/p><\/blockquote>\n\n\n\n

Remote work has become more common in recent years but soared in 2020 as the pandemic forced millions to work from home. According to the Stanford Institute for Economic Policy Research, a whopping 42 percent of the U.S Labor force is currently working from home full time. <\/p>\n\n\n\n

This can create some risk for homeowners as the majority of homeowner insurance policies<\/a> exclude damage if you are operating a home-based business. If you are working from home you should look at the details of your policy in regards to working from home and what is considered a home based business.\u00a0<\/p>\n\n\n\n

On the other side of the coin, the majority of business policies limit coverage to the location of the business unless additional coverage is purchased that would protect the equipment out of the office. <\/p>\n\n\n\n

Steve Wilson, a senior underwriting manager at Hippo Insurance Co. in Austin, Texas offered some advice for dealing with claims related to the company equipment in the Post-Gazette article:<\/p>\n\n\n\n