Should I Update My Homeowners Insurance When Working from Home?

Why Do I Need Homeowners Insurance?

Homeowners insurance is a necessity.  Depending on the extent of your policy, it provides coverage for your home and possessions during unexpected events like theft, damage to the interior or exterior, etc. Due to the changes in working conditions and work from home becoming more prevalent than ever, homeowners may speculate whether this change in lifestyle would impact their homeowner insurance policies.


Reasons for Updating Homeowners Insurance When Working from Home

There are several reasons why you may choose to work from home. Examples of these situations include the recent outbreak of the COVID-19 pandemic if you have to take care of someone at home, etc. The pandemic changed the existing systems and made working from home the new normal. In the light of this, adaptable changes have been made, even to homeowners insurance.

You may need to update your homeowners’ insurance package to ensure extended protection while working from home.


Common Risks While Working from Home

Accidents can occur anywhere and at any time. They can happen while you’re working from home, even though your home is supposed to be a safer and more familiar space. That’s because your home is well-equipped for you to live and relax, but it may not be adequately equipped for you to work from. Some common accidents and mishaps that might happen while working from home include:

  • Slip and falls: These are the most common types of accidents that can while working from home. You might get injured at home for several reasons, like tripping over a rug, a spill, a trash can, falling down the stairs, and more. These resulting injuries can range from minor bruises to major fractures and even fatal or decapacitating accidents at times.


  • Non-ergonomic workstation-related injuries: Employees may not always have a dedicated workstation at home. Even if they do, it may not be adequately ergonomic to provide sufficient safety and comfort. This means that if you are working from home, you are at risk of sustaining injuries or damage to your body parts for multiple reasons, like staring at the screen for too long or sitting on a chair that cannot support your back properly, and more.


  • Sedentary lifestyle-related injuries: People working from home may be either too comfortable or too engrossed in work alone to be getting up for taking lunch and coffee breaks. This means not taking time to move around and stretch your legs, shoulders, etc., making you prone to various sedentary lifestyle injuries.


  • Injuries from falling objects: Your home may be a familiar space for you, and you may have created a safe living and working space, but still, you are always at risk from falling objects. There’s always a risk that items stored on shelves and tops of tables and cupboards might fall and injure you. At times, people working from home might be too comfortable and ignore basic safety protocols, resulting in injuries from falling objects.


Home Insurance Does Not Cover All Work-related Activities

Policyholders with no intention of working from home may not include coverage for work-related activities in their policy. However, you may need to update your homeowners’ insurance to make room for the change due to the pandemic. Therefore, it might be a good idea for you to modify your homeowners’ insurance policy or purchase an additional policy that’s specifically meant for providing coverage for working or conducting business from your home. This is to ensure that any casualty or damage that occurs in your home as a result of your work is covered by your policy.

While some insurance providers may not cover work-related activities, others might have clauses to provide limited coverage. This kind of coverage covers any risk to your home as a result of your work-related activity. However, coverage such as this may not come cheap when compared to regular homeowners insurance. Check with your insurance company and ask for a policy upgrade if necessary to be sure of what your policy offers.

However, the policy upgrade depends on your work schedule, whether you work part-time or full-time. It is also important to provide the necessary details of your work to determine the upgrade.


Buying and upgrading your homeowners’ insurance while working from home should not be hard. That’s why at Duane Weber Insurance, we provide flexible services to all our customers to ensure they are adequately covered at all times. Contact us today to learn more!