COVID-19 has forced many people to work from home. In many ways, this has reduced some risks - for example fewer people will be a victim of theft or burglary, and household damage such as burst pipes and leaking appliances will be reduced, which can hold the highest cost to home insurers.
However, the transition to working from home has led to concerns in other areas such as physical and mental health, which were not originally covered in household policies.
As everyday risks change, insurers will have to adapt their policies accordingly, says GlobalData, a leading data and analytics company.
According to a poll by GlobalData, 27% of respondents want to work from home permanently post-COVID-19, while 46% would prefer a mix of home and office working and 27% of respondents wanted to return to the office full time.
With such a large proportion of individuals wanting to work remotely either full time or partially, it looks that the changes in risks will remain in the long-term.