WFH and Your Contents Cover: 5 Essential Things You Need To Know

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5 Essential Tips About Working From Home and Your Contents Cover

More and more of us are working from home these days. In fact, in April 2020 according to the Office for National Statistics, a record 46.6% of people in the UK worked from home, largely due to Covid-19*.

Working from home, though, can have an impact on your home insurance. Especially if you are doing what is considered ‘non clerical’ work… clerical work usually being the type of work you do on a computer.

So, we’ve pulled together this list of the things you need to know when it comes to home contents insurance. Enjoy!

1. Check your employer has your laptop and other equipment covered.

Most employers will have your work laptop and phone covered under their business insurance policy. There have been occasions, though, where companies have asked individuals to claim on their home contents cover for damage to work equipment. So, it’s best checking your terms of employment and confirming your employer has you covered.

2. Understand the impact of visitors to your home for work purposes.

If you are working from home and you are likely to have colleagues or clients/customers visiting, then you definitely need to check your policy. Cover for things like loss of money or items going missing may be excluded, unless it’s clear that someone has broken into your home through a door or window.

3. Check your level of cover for accidental damage.

It stands to reason that the more time you spend at home, the higher your chances of having an accident there. From dropping a phone or laptop to even damaging a piece of furniture or spilling coffee on the carpet… there’s lots that could happen. That’s why it’s best to check the level of accidental damage cover you have, to make sure you are covered for any eventuality.

4. Check your tenancy or mortgage agreement.

Running a business from your home can in some cases invalidate a mortgage or a tenancy agreement. Many lenders and landlords are choosing to be flexible at the moment, but it’s always best to check with them as to whether you need additional cover.

5. Make sure your locks on doors and windows are BSI-approved.

If you are working from home more, the chances are you have valuables such as laptops at home, rather than leaving them at work. That’s why you want to make it as hard as possible for people to break in.

British Standard Institution (BSI) locks on doors and windows are loved by all insurance companies and some will even give you discounts for having these installed. Just look for the BSI-approved kite mark on the locks (these will usually be located on the lock mechanism on the side of the door or under the handle if it’s a window). So, check your locks and make sure your insurer knows, because if you have these installed it might reduce your premium.

Lockdown changes mean it’s time to review your policy.

With the lockdown rules changing, many people will find that their insurer could be less flexible about them choosing to work from home. With a large proportion of people saying they will continue to work from home in some capacity, now’s the time to contact your insurer to make sure you are covered or have the right level of cover.

Click here to get a quote for your home contents insurance.

* employmentandemployeetypes/bulletins/coronavirusandhomeworkingintheuk /april2020