Home user organised cover (6)
I believe the answer is:
insure
'cover' is the definition.
(I know that cover can be written as insure)
'home user organised' is the wordplay.
'home' becomes 'in' ('he's home' can mean 'he's in').
'organised' is an anagram indicator.
'user' is an anagram of 'sure'.
'in'+'sure'='INSURE'
(Other definitions for insure that I've seen before include "Make certain" , "Protect value through contract" , "Take out cover" , "do business at Lloyds?" , "Take out a policy" .)