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Home insurance can protect garden contents Go compare with our comparison table

Home insurance can protect garden contents

28 April 2010 / by Rachael Stiles

Now that spring has finally sprung and the green-fingered are preparing their garden for summer, is warning gardeners to ensure their garden contents are covered by their home insurance policy.

Many Brits taking pride in their garden this bank holiday weekend might not stop to smell the roses and realise that thieves could reap the rewards of their harvest in the form of barbeques, bikes, lawnmowers and other garden equipment, if they do not lock it away.

Levels of protection for garden treasures varies from one home insurance provider and another, the comparison website explains, from £250 to unlimited cover.

When households compare home insurance for their home contents, they should also consider the value of the items in their garden, says moneysupermarket, and if the policy does not state a limit, they should endeavour to find out so they can be sure they are adequately covered if they need to make a claim.

To send the message home, Julie Owens, head of home insurance at moneysupermarket, said: "It's easy to forget your garden contents when thinking about home insurance cover. Whether you have acres of space filled with garden gnomes, a landscaped paradise to enjoy this year or you've forked out for the latest high-tech gas barbecues or patio heaters, the costs can easily run into the thousands.

"It is essential people consider the cost implications of theft or damage to garden items, and cover themselves accordingly," she said.

To avoid becoming a victim of garden theft or being underinsured, moneysupermarket has dug up some top tips, such as reading the small print of their contents insurance policy; limiting access to gardens and sheds with secure gates, fences, and locks, and installing a security light; and not leaving valuable items outside, especially at night, as otherwise they might not be covered.

Keeping receipts is also important, as otherwise items might not be covered, and those gardeners with high value items might want to consider a high value home insurance policy which reflects this.

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