A home office is, of course, an extra room that needs to be insured. At best, it will add additional square footage to your insurance policy. In addition, your homeowners insurance may not fully cover
your office in your downsized home. Why? It blurs the line between typical issues that all homeowners could experience and business-related expenses that are more complex. You will likely need to purchase an additional insurance policy if you are working from home. This is even more important if you are running your own business. Some employers may also require additional insurance coverage for remote employees that may not be fully covered by their regular workplace insurance policy. Â