Garden Insurance and Insuring Against Loss
Should you worry about theft and vandalism in your garden?
With the time and investment many people have made it pays to consider insurance cover.
What are Insurable Risks
- Most commonly stolen items include lawnmowers, ornamental gnomes, tools, furniture, pond equipment, hanging baskets, containers, crops and even specimen plants.
- Sculptures, York Stone, Slates and other desirables need to be insured.
- There is also the danger of mindless vandalism, as well as destruction by extreme weather conditions such as snowstorms and gales, or unseen events like falling trees.
- Outbuildings, garden sheds, summerhouses, barbecues and greenhouses can also suffer damage by fire or sundry hazards.
How Can You Get Cover
- Regular household buildings and contents insurance usually covers damage to sheds and other outbuildings, as well as neighbours’ property, and third party visitors.
- Check what cover you currently have as there will be limits and excesses. Unfortunately buildings insurance or contents insurance, for outdoor possessions is often restricted to a token £500.

















