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Whether you like to simply relax and enjoy your garden or take a more active role in keeping it in trim, you’ve probably invested more than you think in garden furniture and gardening equipment. These items are an attractive target for thieves, but unfortunately many householders may find that their existing home insurance falls short when it comes to offering garden insurance protection.
We think your garden is just as much a part of your home, so a Hiscox Home Insurance policy automatically offers garden insurance. Our contents section covers garden furniture as well as shed and garage contents including bicycles. If you take out our buildings cover, the actual outbuildings themselves will also be covered should they suffer damage.
Why take out separate bicycle insurance when a Hiscox Home Insurance policy can cover bicycles automatically?
Why you might need to consider garden insurance- Your garden is a vulnerable area of your home. The Association of British Insurers estimating that one in seven gardens falls victim to theft
- The contents of your shed and garage, such as lawnmowers and tools could be worth more than you think and may not be covered by your existing home insurance
- Have you considered how much it would cost to replace fences, trees and plant pots in the event that they were damaged by vandalism or even stolen?
How Hiscox Contents Insurance covers your garden | What's covered | Level of cover | | Garden furniture, ornaments, statues and other similar items | Up to £2,500 in total for accidental damage, loss or theft | | Garages and other outbuildings’ contents | Up to £5,000 in total for accidental damage, loss or theft | | Bicycles | For accidental damage, loss or theft up to £1000 away from the home with higher limits available if requested. For accidental damage, loss or theft from the home we cover bikes up to the value of the total value of contents insured | | Plants, shrubs and trees | Covered under a special extension up to £1000 in total for accidental damage, loss or theft, with a limit of £250 to replace any one tree, shrub or plant, excluding hedges |
How Hiscox Buildings Insurance covers your garden | What's covered | Standard level of cover | | Garages and other outbuildings | Covered up to the total amount you choose to set your rebuild cost against physical loss or damage to your home and outbuildings. We will pay the cost of rebuilding or repairing the damaged building, including any rebuilding expenses. Find out more about your rebuild cost > | | Sheds and greenhouses | | Driveways and patios | | Fences, gates, walls and hedges | | Swimming pools and hot tubs |
If the unfortunate should happen and you suffer a loss from your garden, garage or outbuildings, our efficient UK-based claims team will quickly be on the case.
To find out more about Hiscox Home Insurance, which automatically includes garden insurance, see our policy documents >
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