The COVID-19 pandemic has forced many people to work from home, but what does this mean for your home insurance? We at Home Insurer, examines whether or not working from home is covered by home insurance in Ireland. However, some conditions must be met for this to be the case. For example, you must have a dedicated workspace in your home, and your work must not increase the risk of damage to your property. Read more to find out more about home insurer.ie offerings!
What is home insurance?
If you’re like most people, your home is your biggest asset. It makes sense to protect it with insurance. Home insurance covers the cost of repairing or rebuilding your home if it’s damaged or destroyed by an insured event such as a fire or storm. It also covers the contents of your home, such as your furniture and appliances, against loss or damage caused by an insured event.
Most home insurance policies will cover you for events but it’s important to check with us to see exactly what’s included in your policy. Home Insurer.ie offer optional extras such as cover for accidental damage, loss of income if your home is uninhabitable following an insured event, and legal expenses cover.
While home insurance isn’t mandatory in Ireland, if you have a mortgage on your property, your lender will usually require you to have at least buildings insurance. And even if you don’t have a mortgage, it’s still a good idea to insure your home so that you’re financially protected in case of any damage or destruction. Don’t worry; we’ve got you covered.
Does working from home affect home insurance?
There are a few things to consider regarding working from home and how it might affect your home insurance. The first is whether your insurer will cover you for business equipment. You will need to check with your insurer, as coverage can vary. That’s where Home insurer stepped in.
Another thing to consider is whether working from home will impact your policy excess. If you make a claim for damage to your home caused by business equipment, your quantity may be higher than if the damage was not caused by business equipment.
Do I need to inform my insurance company if I work from home?
If you are working from home, you may need to inform Home Insurer so that you can be sure that you are covered.
Working from home has become increasingly popular in recent years, with many people finding it a more convenient and flexible way to work. However, it is vital to be aware that your home insurance policy may not cover you for business activities.
Our standard home insurance policies will cover you for occasional use of your home for business purposes. If you are still determining whether or not your home insurance policy covers you for work from home, check with us directly at the homeinsurerstg.wpenginepowered.com
How to get home insurance?
You need to consider a few things when taking out home insurance if you work from home in Ireland. Firstly, You need to inform us what type of work you do from home, as some policies may exclude certain types of businesses.
It’s also essential to consider how much coverage you need for your business equipment and stock. If you have expensive items or a lot of stock, you may need additional coverage to ensure they’re fully protected.
Finally, it’s worth checking because our home insurance policy offers discounts for working from home. We offer a discount if you work from home and don’t have any employees, so it’s worth asking about this when you get our quotes.
After The Lockdown, Here’s What You Can Do To Help Fight On
Now that lockdown restrictions have been lifted in Ireland, you may wonder if you are still covered by your home insurance policy if you continue working from home. The good news is that our home insurance policy will still cover you for any damage or loss while you work from home.
Second, be sure to keep your work area clean and tidy. This will help prevent any accidents or damage that could occur while you work.
Third, make sure to follow all of the safety precautions that we recommend. This includes ensuring that all electrical equipment is grounded correctly and using proper lighting in your work area.
By following these tips, you can be sure that you are still covered by our home insurance policy even while working from home in Ireland.
Wrapping Up
In conclusion, it is important to remember that every home insurance policy is different. You should always read the fine print of your policy carefully to ensure you are covered for working from home. If you have questions about your home insurance coverage in Ireland, contact homeinsurerstg.wpenginepowered.com and we will be able to advise you further.