At this time of year when we’re making the most of our gardens it’s easy to forget that they are prime targets for opportunistic thieves.
The average garden’s contents are now worth £1,928.00. However, almost half of homeowners are unsure if their garden items and furniture are covered, and more than a third admit to not even having a lock to secure their garden and its contents.
Home insurance policies will usually cover contents within the garden under “contents in the open.” However, garden cover is not always included as standard and the level offered and conditions that apply can vary significantly, so it is worth checking your documentation or consulting your provider if in doubt.
Particularly expensive or precious items should be disclosed specifically with your insurance provider to ensure they will be covered.
Some insurance companies will only cover items if they are locked away in a shed or garage. This means that if any expensive tools, furniture or ornaments are left out for any reason – you may have to foot the bill if anything happens to them.
As an alternative, you might want to consider a specialist garden insurance policy.
Posted by Earnshaws on 15-Jul-2014