| Home Insurance For Home Workers |
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According to the Office for National Statistics, 2.2 million people telecommute in the U.K. However, they are only the forerunners of the white collar migration; 30% of those still in the office say they want to work from home. Many cite the advantages to both employee and employer, such as reduced fuel consumption, and reduced space costs for employers. There are many great reasons to telecommute. Whether you are already clocking your hours at home, or in dialog with the boss about future possibilities, a contents insurance policy designed for the home office will support you as you set up shop at home. Contents insurance for the home office can protect in ways your home owners insurance policy can't. For instance, many home contents policies have limits on how much office equipment can be covered. Software is usually never covered. Home contents policies will pay for equipment damage under certain circumstances. If you have a fax, scanner, and extra software in addition to your computer in your home office, you may not be fully insured. A home office is subject to threats that a home-owner's content's policy will not cover, such as virus damage or hacker attacks. The result is that if your home office is destroyed, your home policy would only cover a fraction of its true costs. If you are not protected with a home office contents policy, you would be responsible for replenishing vital equipment and software before you could work again. For many, telecommuting brings much needed balance into their lives. For those who wisely protect their home office with a specially-designed contents insurance policy, that peace of mind won't go up in smoke. |