Working from Home? Review Your Equipment and Home Policy

Separate personal and work property

A desk used for family bills is different from inventory, client files, or equipment owned by an employer. List the computers, cameras, specialized tools, furniture, and stock kept at your Bargersville home. Record who owns each item, its replacement cost, serial number, and where it is stored. Keep a copy of the list and receipts somewhere other than the work area.

Check the limits in your actual policy

Ask your licensed agent how your homeowners policy treats property used for a business or owned by an employer. A policy may have special limits or exclusions for business property, including property away from the house. Do not assume that adding an item to a home inventory changes coverage. Our room-by-room inventory guide can help organize the household portion.

Describe visitors and activities honestly

Tell your agent whether customers, delivery drivers, contractors, or employees visit the home, and whether you make or store products there. These details can change the liability questions. If the work is part of your own business, ask what a separate business policy or endorsement might address. If you work for someone else, ask the employer which property and liability responsibilities it has documented.

Consider interruptions and records

A damaged room or a power outage can interrupt work even when the building loss is covered. Ask whether any policy you hold addresses business income, extra expense, or off-site equipment; those protections are not automatic under homeowners insurance. Keep work records backed up securely and store client information according to your business obligations.

Review when the work changes

Revisit the list when you add equipment, change how often people visit, or start selling goods from home. Get any recommended policy change and effective date in writing. Browse more Home Insurance articles for property planning.

The Jennifer Dammeier Agency serves Bargersville and nearby Johnson County communities. Contact Jennifer Dammeier American Family Insurance with your current policy and the details of your situation to discuss available options.

This article provides general educational information, not individualized insurance, legal, or tax advice. Coverage, availability, limits, exclusions, and claims depend on the policy and insurer. Review your documents with a licensed agent and consult other qualified advisors as needed.