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Damn it, called up NRMA and told them I run a business from home, its just me and nobody else. Premium went from 2.9k to 3.3k to cover my home office stuff.
Edit - called Allianz. I misinterpreted the PDS, office equipment is covered but the limits are fairly low with no option to increase. $1500 per item up to $10k. NRMA in comparison includes home office equipment under general contents, hence the higher premium.
If you claim any at home expenses it also has tax implications when you sell the home.
We only use personal computers and printer for work - don’t have any specialised equipmentYes, we don't claim any home expenses for the business for this reason. The home and contents I'll need to wear that myself personally rather than putting some of that through my company.
we claim electricity and internet and “cleaning” for tax but yeah can’t do anything on the house - like if we refurbished the office like I wanted to it’s actually improving the house and becomes a tax nightmare
We needed some more storage and could not build a shed or put down a slab and get the business to pay for it - we could however build a pad and put a container on it at business expenses