Will Douglasville Ga Home Insurance Cover You While Working At Home?

October 29th, 2009 by Lloyd Pro Group Inc.

If you are paying Douglasville Ga home insurance premiums each month you might assume you would be automatically covered, right?

Well, listen closely to what we are about to discuss…

This recession has caused many people throughout Atlanta to resourcefully begin working from home to make ends meet. After all, working from their home office allows them to save the normal expense of not paying rent for an office plus the gas money and wear and tear of your car because you don’t have to commute.

Sounds like a great plan, doesn’t it?

But here is the question that most people never think of… will my Georgia home insurance policy cover me to do this?

Notice what the members of SCORE say in this article:

“A recent survey commissioned by the Independent Insurance Agents & Brokers of America (IIABA) found that nearly 60 percent of the nation’s 11 million home-based businesses do not have insurance coverage.

Of those entrepreneurs, nearly 40 percent thought they were already protected by some other type of coverage, while almost 30 percent said their businesses are too small to insure.”

Is this something you should be worried about if you are a home improvement contractor, photographer or a computer operator working out of your home?

Listen to what they go on to say:

“Madelyn Flannagan, IIABA’s vice president of education and research, explains that home-based business owners are at risk for significant financial losses associated with theft, accidental damage, natural disasters, vehicle accidents, and liability if an employee suffers an injury while on the job or a business guest is hurt while visiting the home-based business.”

If you find yourselves in this situation you may find that your home owners policy will not cover you.

You may be thinking right now, “No one ever comes to my home for business. So I have nothing to worry about, right?”

You will always have a lingering doubt if you don’t ask for help.

The best thing you can do is to contact your Atlanta insurance agent and request a complimentary insurance checkup. (We launched this program in a recent article we wrote on lifestyle changes.)

Talk to your agent about the changes in your life including working out of your home. They really do want to help. Find out the facts about what you are covered for and what potential problems you could be opening yourself up to. Then look into an affordable Atlanta business insurance policy to cover everything else.

Remember, once you have a problem… its too late to get insurance.

If you are currently working at home, why not contact us immediately at (770) 381-5000 to discuss your homeowners insurance policy?

Proudly serving our clients with Douglasville Ga home insurance through out: Douglas county, Villa Rica, Austell, Hiram, Powder Springs, Lithia Springs, Smyrna, Duluth, Tucker, Lilburn, Lawrenceville, Buford, Norcross, Braselton, Gwinnett county, Decatur,Dekalb county, Stone Mountain, Lithonia, Conyers, Forrest Park, Jonesboro, Marrietta, Vinings, Dunwoody, Roswell, Atlanta, and Cobb county Ga

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