for remote workers
Your home office sits in a coverage gap.
A serious home-office setup falls between two policies: your homeowners coverage caps business equipment low, and your employer's insurance usually stops at their door. Document what you own and find out whether the gear you paid for is actually covered.
The business-property blind spot
Most homeowners and renters policies apply a low sub-limit to business equipment used at home — often a few thousand dollars, well under a real home-office setup. If the gear is yours, a standard claim may only pay a fraction. Documenting it is how you learn whether you're over that line before a loss.
Employer-owned vs. your own
Company-issued laptops are usually the employer's asset and their insurance problem; everything you bought yourself — desk, chair, monitors, peripherals — is yours to cover. The scan gives you a clear per-item record, so a claim reflects exactly what you own versus what belongs to work.
One walkthrough, an honest number
Home offices accumulate quietly — a second monitor here, a mechanical keyboard there, a standing desk. A single walkthrough totals it all at a current value, so you can check it against your policy's business-property limit and decide whether you need an endorsement to close the gap.
Worth being direct about scope: closing a business-equipment gap usually means a home-business endorsement or a separate policy from your insurer, and employer-owned gear is their coverage, not yours. This documents what you own and flags the gap; it doesn't change your policy.