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Is your garden adequately insured?

Is your garden adequately insured?

This is the question being asked by insurance experts after it was revealed that a third of Britons spend more on their garden than any other part of their home, so if you are one of those keen gardeners who likes to splash their cash on their outdoor space, it’s essential you check your garden has adequate cover. Many people assume their garden is covered by their home insurance policy, however this isn’t the case with all policies so it’s vital home owners check this. Objects which can be moved from your garden such as patio furniture and expensive pot plants, can be excluded from policies so if this is the case with your insurance, it’s recommended extra cover is obtained to protect against theft and damage. The average cost of garden articles in the UK is estimated at £825 with garden furniture, sheds, greenhouses, and lawn mowers coming in as the most expensive articles. During the summer months, theft from gardens is more common as homeowners are more likely to leave these articles outside. Even the most unlikely articles such as children’s toys and freshly laid turf can be a targeted by thieves so the advice is to ensure all garden implements are covered by your policy.

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