Home insurance when working from home

[rebelrebel]

I’ve just tried to renew my contents insurance but because I’ve started working from home they won’t insure me, I’ve rung another company up and they won’t either.
I was just wondering who does insure your house and contents if you work from home.
If anyone can help it would be much appreciated.
Regards
Ruth

 

[yoshilee]

I use Esure, they were very helpful. when I rang up to inform them that I would be using a room in my house as a treatment room, my policy did not increase. They said that since the property would be occupied during the day it is actually safer. I do recall a client limit per week (think it was about 20 or 25?). The only change to my policy is that in the event of a claim I would have to prove forced entry. I've just had my renewal come through and it's virtually the same price as last year. Hope this helps.

 

[CFBS]

Last year I used Midas
http://midasuw.com/personal-lines/midas-jewel/

 

[rebelrebel]

Thank you both, we renewed yesterday with AXA before I saw these replies, it has nearly doubled what it was [emoji848]

 

[Joannec79]

Thank you both, we renewed yesterday with AXA before I saw these replies, it has nearly doubled what it was [emoji848]

There will be a 14 day cooling off period, they have to provide this by law, so you can still cancel during that time and would be entitled to a refund of any premium paid, providing there have not been any claims or incidents likely to result in a claim.

 

[hazelb]

I work from home and have a lodger.... the only people I can find to ensure me ( buildings and contents ) is home protect.

 

[CFBS]

Last year I used Midas
http://midasuw.com/personal-lines/midas-jewel/

just thought I'd update my earlier post in case anyone looks at this thread.

October 2018: Midas will not renew my policy this year (not for any reason on my part) so i have spent an entire afternoon trying to hunt down house & contents insurance that allows home based working. So hard and so many companies declining the business!!
In the end I have gone with Home Protect (but it's still more than I paid last year!)

Ps
Liverpool Victoria declined me because I have oil central heating!! - so random, never had that before!!