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Does your home and contents policy cover you against garden theft?
Summary:
Most home and contents insurance policies do not adequately cover you against garden theft and with the amount of money we are spending on our gardens, this is something you may need to address.
As a nation, we are spending more and more money on our gardens - some Ł4 billion a year according to the Horticultural Trades Association. Is it any wonder that thieves are looking to see whats in the garden first?
According to the result of a recent survey carried out by Churchill, 38% of us do not adequately consider insurance for our possessions outside of our homes. And with expensive barbeques, patio heaters and garden furniture becoming ever more popular, this is an area that needs attention. And not only do you have to consider the more obvious garden possessions - even your garden shrubs and trees may be at risk with around 18,000 incidents of theft involving garden plants reported in 2005 alone!. (best value loan)
With all the tools, toys and bikes, on average the contents of our garden sheds are worth around Ł1300 and yet a large number of us are protecting our property with nothing more than a flimsy padlock. Which makes it all too easy for thieves to gain access. (unsecured loans)
So if your garden is burgled, are you covered by your home and contents insurance policy? Well unfortunately you may not be as most insurance policies only cover those items kept in a locked shed or outbuilding. And even then the maximum you can claim may be far below what the contents of your shed may be worth. By way of example, Norwich Union Direct provide Ł250 worth of cover for your possessions that are left out in the open and provide Ł1,500 for items stolen from a locked outbuilding. But when you consider how much it would cost to replace to items such as patio heaters or lawnmowers, you may still not be adequately covered.
And this is only considering the more obvious items. When you consider how much your garden shrubs and trees may be worth, a significant amount of your investment may be at risk. Currently, very few insurers will take garden plants into consideration and although if you are a member of the Royal Horticultural Society you can get cover of up to Ł10,000, including this kind of cover in standard insurance policies is still not as common as it should be. (cheap loans)