When people started working from home as a result of the Pandemic they set up some type of a workspace; often working from their kitchen tables. When someone uses their kitchen table as a make shift desk while working from home, it may treated as being used "primarily for business purposes" under their insurance policy, which could leave the kitchen table, for all intents and purposes, uninsured. Reason being, home insurance policies significantly limit coverage for property used "primarily for business purposes."

So, the question becomes; is the kitchen table used primarily for business purposes, and thus limited business property, under the home insurance policy? The question sounds ridiculous, but the answer may come as a surprise. Exploring the answer will help all people that work from home better understand how to properly insure their personal property that is used for business.

While each insurance company may use their own unique policy language many Insurance policies follow the language in the ISO forms. The most common home insurance language is either the same or very similar to the language found in the HO 00 03 05 11 form ("HO 3"), which limits coverage for personal property used "primarily for business purposes" to $2,500.00. Most people that have worked from home for years, let alone people just recently working from home, are not aware of this limitation and are likely underinsured for their business property. They also likely do not know which of their personal property items would fall into this category.