Is Garden Furniture covered by house insurance
When it comes to protecting your home and garden, having the right level of insurance cover can give you peace of mind. However, with so many insurance options and optional extras available, it can be difficult to know where to start. In this article, we'll focus on garden insurance and whether your garden furniture is covered by your home and contents insurance policy.
As an existing customer, you might already have home and contents insurance in place to protect your home and high-value items. However, it's important to check if your policy covers your garden and its contents, including garden furniture and other valuable items. Some policies might offer garden cover as an optional extra, while others might include it as standard.
When it comes to protecting your garden furniture from damage, wear and tear, or theft, having the right level of cover is essential. Critical illness cover, income protection insurance, and life cover are all important types of cover to consider, but they might not be relevant to your garden insurance needs.
According to Money Super Market, "Contents insurance policies generally provide cover for your personal possessions within your home, including garden furniture, and insurers may cover items up to a certain limit even if they are left outside." However, "if you have expensive garden furniture, such as a garden office or high-value items like an investment bond or shares ISA, it might be worth looking into additional coverage options."
Deter thieves by securing your garden with sturdy garden gates, and consider adding garden contents cover to your existing policy. You might also want to invest in storm damage cover or breakdown cover to protect your garden furniture from unexpected damage.
To help protect your garden furniture from wear and tear, it's important to maintain your garden with regular maintenance tips and upkeep. You might also want to consider insuring your home and garden with a business insurance policy, especially if you work from home or have a garden office.
If you're looking to top up your loan or cover the cost of a home improvement project, a home DIY loan or debt consolidation loan could be a great option. Alternatively, you might want to consider opening an investment account or cash ISA to help cover the cost of living.
When it comes to electric cars, make sure you have the right level of electric car insurance in place to protect your vehicle and your investment. And if you have a shed or outbuilding in your garden, be sure to include it in your garden cover to ensure that all of your valuable items are protected.
Having the right level of garden insurance can help protect your garden furniture and give you peace of mind. Whether you're looking for breakdown cover, garden contents cover, or a fixed rate investment calculator, be sure to review your policy details and take advantage of any optional extras that are available to you.