Make sure you check your home insurance policy, as very basic home insurance may not provide any garden insurance.
Like your home insurance, insurance for things in your garden is split between buildings and contents insurance. So, to make sure you're fully covered you'll need both types of insurance.
LV= buildings insurance
will cover you for damage to:
- Garden walls, gates and fences
- Drives and footpaths
- Domestic outbuildings, like your shed, and garages
- Swimming pools and tennis courts
- Septic tanks and central heating oil or gas tanks
These are all seen to be part of the structure of your home and therefore covered under your buildings insurance. You'll usually be insured for loss or damage as a result of fire, water or oil leaks, theft, storm or flood (apart from loss or damage to gates or fences caused by storm or flood), subsidence, impact and vandalism. For more information read LV= document of insurance.
LV= also provides cover for the plants in your garden, including your lawn, if they're damaged or stolen, apart from loss or damage caused by storm or flood. This means that if thieves steal valuable plants in pots or even dig up hedges and trees – it does happen – then we'll pay out up to £1,500 in total.
If you want accidental damage for garden structures, you may have to pay a bit extra for this type of cover.
Check that the contents of your garden are covered by your home contents insurance
. You'll want to include the items you keep in your shed or garage as well. Things like:
- Gardening tools, including power tools
- Children's outdoor toys
- Garden furniture
- BBQ and patio heaters
Depending on the type of insurance you have, you might find you only have cover for outdoor items if they are locked away overnight or when you're away from the home. Others will provide cover for pots and furniture that can't be locked away, but may stipulate that bicycles and gardening tools need to be securely stored to be insured.