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image of girl working on computerDo you bring work home with you? Doing so can be a worrisome thing and more so than just bringing home more 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, you home insurance policy may 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, your policy may provide cover.

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. The fact is, it only covers personal property and the structure itself. Some home insurance plans may list specific cover extending beyond this. If your plan, for example, names that laptop as covered, then it may be.

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. Business pursuits and professional services are generally not a covered component of your plan otherwise.

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 helps you to keep going if a covered event takes place and your personal and business property are damaged in the process.

Are you covered? Call The Beckman Company at (405) 842-2337 for more information on Oklahoma City home insurance.

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