The desk in the spare room doesn't look like an "office" the way a workplace does, which is exactly why it's easy to assume everything on it is automatically covered by your home and contents policy. Often it isn't — or not fully, and not without some specifics you'd need to provide first.
Why home office gear falls through the cracks
Standard home insurance can treat business equipment differently to personal belongings, sometimes with lower limits or extra conditions, especially for higher-value gear like a good monitor setup, a proper microphone, or specialised software licences tied to a laptop. Freelancers and remote workers often don't find this out until they're mid-claim.
On top of that, a laptop, monitor or camera used for both work and life needs to be accounted for either way — for insurance if something happens to it, and often for tax purposes too.
What's worth having on record
- A photo of your main work equipment — laptop, monitors, chair, any specialised gear
- Serial numbers for electronics
- Purchase receipts, which double up nicely for tax time
- A note of what's used for work versus personal use, if it matters for your policy
Where My Asset Mate comes in
My Asset Mate's Electronics & Technology category is free to use — no trial needed. Log your home office setup with photos, serial numbers and receipts, kept safely on your phone, and in the cloud too if you choose.
If something's stolen, damaged, or you just need the details for tax time, it's all sitting in one place instead of scattered across old emails.
Fifteen minutes with your setup now saves a scramble later — for insurance, for tax, or both.