If you have expensive plants, furniture or tools, you may need to pay more to protect them
When it comes to the contents of their garden, many people are underinsured – or may not be covered at all. To find out if you are one of them, check the paperwork for your home contents insurance and buildings insurance.
Home contents insurance covers the things that can be carried away from your property. The policies many people have will typically include some cover for loss or damage to items in the garden such as plants and furniture, although in some cases it may be only a few hundred pounds, and some cheaper policies may provide no cover at all. Also, if you have pricey gear, be aware that contents policies usually include a single-item limit, which will often be between £1,500 and £2,500.
