Do You Work From A Home Office?

Have you ever heard the expression, “when it rains, it pours”? This means that when something goes wrong, a lot of things go wrong. This expression could apply to any business that you are running out of your home. No matter if your hobby has blossomed into a home-based business, you sell items for extra income or use your computer and phone to run a business, you need to make sure that you have an insurance policy to cover loss and damage.

Have you considered what would happen if the items that you store in your home that you sell for extra spending money were damaged due to a fire or flood? What happens if they are stolen? What if you use your computer for your home-based business. What happens if your computer, printer, scanner, file cabinets, or office supplies were ruined due to fire or water or even worse, stolen? Does your homeowners insurance cover these items or not?

These are all very important things to consider when you work from home. Does the company you work for cover any loss due to fire, flood, or other? Different organizations may work it differently. If you are self-employed and lose your computer, files, inventory, etc. does your homeowner's insurance policy cover your loss? Licensed insurance agents will help you to understand what is covered and what is not.

At Gulf Coast Educators Insurance we encourage you to contact your insurance agent to find out what happens if your home office is destroyed or damaged. Our highly trained agents would be more than happy to discuss your insurance policy and its coverage with you.

Having insurance to cover the loss of items needed to run your business is highly important. How would you replace your computer, printer, or items that you sell for a profit if they were damaged or stolen? What about the time and business you would lose if you had no insurance and had to cover all of these items out of pocket. Would you be able to afford it?
Gulf Coast Educators Insurance is the leading agency for insurance and financial services in Southwest Florida. Along with issuing and/or reviewing your homeowner’s policy, we can also help you with all of your insurance needs. For more information about homeowners insurance and what exactly it covers, please review our website. We look forward to helping give you peace of mind regarding your homeowner’s insurance coverage.