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Property: Home workers could be in for ‘nasty surprise’ if they don’t check insurance


Property experts Louisa Fletcher and Andrew Montlake returned for another episode of their podcast, The Property Show. This week the pair discussed everything from mortgages to house prices. Ms Fletcher also talked about how working from home might impact your contents insurance.

“Or perhaps, I was chatting to someone the other day who is a jeweller and she’s been working from home now.

“She’s been making beautiful jewellery in her shed at the bottom of her garden.

“The point is, you need to tell your insurance company about that because sheds can be a bit of a security risk.

“So you do need to talk to them about that to make sure they’re aware you’re using your shed as a ‘shoffice’.

“It may put your premium up by a few quid, and I get that but better that you’re covered correctly than you get a nasty surprise if somebody gets in there and nicks all your stuff.”

Gareth Hemming, Managing Director of Personal Lines at Aviva said: “Flexible working and home-working practices have been around for some time, but they have really come into their own in the last year.

“Many employees report they have been less stressed and more productive as a result of working from home.

“They have had the flexibility to work around their personal lives and they have been trusted to work in a way which suits them. 

“While home-working is not the choice of every individual, we are likely to see more flexibility as a basic benchmark for the future, with many people working remotely, at least some of the time.

“Many insurance providers adapted their home products during the pandemic to allow people to work from home without making any changes to their policies, but if customers are unsure about their cover, they should speak to their insurer to check that it is suitable for their circumstances.”


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