Due to the cold and rainy weather, most people have had to wait quite a while to actually start working on their gardens again, and you may have your work cut out for you with prepping the space until it’s ready to flourish once more. Even if you didn’t leave your garden unattended over the winter, a space like that, outside of your building, is constantly exposed to harsh realities such as weather, damage or burglary.
However, it is possible to ensure that your garden is protected all year round, even when you’re not tending to it. Garden insurance is an ideal way of protecting you and your garden space from potential risks. It gives you constant peace of mind that your efforts aren’t going to waste by covering your garden in case anything should happen.
If you’re green fingered, chances are you work hard in your garden. But now protecting your garden has just become easy, thanks to our innovative Garden Care cover.
1. Your garden is worth a lot more than you think
If you go outside and take a look around your garden, you’ll see for yourself just how valuable it is. Create a detailed inventory of all the items around your garden (including your trees, plants and fences); you’ll soon see the price piling up.
From expensive decking to fanciful garden ornaments and exotic plants, people spend a lot of money making their gardens look perfect. Imagine the amount of distress caused if these items were stolen, or if a tree blew down and caused serious damage and you had to find the funds to re-purchase everything yourself. Your maximum claim limit will depend entirely on your insurer, so make sure you check exactly how much you’re covered for.
2. Garden crime is increasing
Sadly, when it comes to summer you’re not the only person who likes to enjoy your garden. According to recent studies, as the weather gets warmer and the nights get lighter the UK tends to experience a significant rise in outdoor burglaries.
Different providers will offer garden insurance that covers different things, so it’s important to check with your insurer in case you need to take out extra cover.
If you’ve ever been affected by garden crime, then you’ll know how hard it can be. This is why it is worth buying suitable security for your garden possessions, such as motion activated lights and padlocks for any outhouses, as well as taking out insurance.
3. Your Home Insurance might not cover everything
It’s important to remember that whilst your home and contents insurance covers the vast majority of possessions, it may not cover everything outside of your building. Your garden’s greenery, for example, is not usually covered by the average level of contents insurance.
Make sure you read all the details of your policy, including excesses and cover exclusions, before you take out any insurance. You should be sure of exactly what is and isn’t covered under your house insurance, so that you don’t experience any nasty surprises when you go to claim. It may be that items left outside your building aren’t covered by either your home or garden insurance, unless they’re stored under certain circumstances. You can always check with your policy provider if you’re unsure of what your insurance actually covers.
4. It protects more than you think
Our standard buildings policy limits cover for storm damage by excluding gates, hedges & fences, and our contents cover excludes all damage to growing trees, shrubs or plants. Garden secure cover provides insurance for these risks, for items such as many common outdoor flora, hedges, lawns, shrubs, trees, as well as fixtures and fittings such as fences, gates, patios, which you own and that are within the boundary of your home.
Garden secure also extends cover to damage caused by wild animals, malicious damage, and accidental damage to the above items.
The maximum claim limit under our Garden Care cover is £750 and the policy costs just £24.50 per year or £2.29 per month.
There will also be specific aspects which aren’t covered, such as poor maintenance and insect infestations (for which you may need to look towards investing in home emergency cover). Insure4Retirement will also not pay out for any malicious damage caused by you, your family or any domestic animals or pets. As with any insurance there are limits to what is covered, so you should always check the terms and conditions of your policy.
Other items, such as your power tools and bicycle, may be covered as part of your standard contents insurance. However, it is well worth checking with your insurer first before assuming they’re covered and experiencing the worst if something was to happen.
Similarly, fixed fittings such as swimming pools, gates and any outbuildings (such as sheds, greenhouses and garages) generally fall under the umbrella of your buildings insurance, but once again make sure you check with your insurer to be sure.
5. It can help with the costs of the damage
Because of your garden’s outdoor location, it is especially susceptible to damage, whether it’s from natural elements, such as falling branches, or from unnatural factors, such as accidental damage caused by burglaries or neighbours.
Investing in garden insurance gives you peace of mind knowing that you’re covered for almost any event.