Get Buildings Insurance and Contents Insurance That Covers Your Garden

While I very much consider the garden to be part of our living space, I had not given it any thought regarding insurance. For ages now we have gone to get buildings insurance cover with Direct Line home insurance. Happily, I have seen all that I needed to make decisions regarding our policies on their website. It was there that I identified what level of contents insurance we should hold, and simultaneously learned about some perks that come with the policy. In actuality I guess we have been covered for stuff that I was also paying for elsewhere, which I would have known if I had been more diligent in my reading the first go round.

But back to the gist of this story, since having upgraded to a new garden shed, I have become more aware of how much we have. Though the new shed is nearly double the size of the old one, the new one is nearly completely full already. As I was moving the tools, and materials out of the former shed I began to keep a tally of the value of it all. Surprisingly, it is well worth having it covered under the insurance policy.

You know how you acquire garden supplies and equipment over the years, but rarely ever see it all strewn across the grass. Well, I saw absolutely everything in the light of day right before it was placed into the new shed. So, I am recommending that everyone take a count of what they have stored in their garden shed, or sheds and what is in the garden itself also. Chances are you’ve got stuff in there you have forgotten all about, but is of value. Then, check to see if your contents insurance for your house covers it, or not.

Just like it is critical that you have an accurate account of the belongings you have inside the house, it is outside too. Therefore, you definitely should write down what you have in both places. Ok, stop groaning now, I know it does not sound like the highlight of your weekend, but god forbid something happen, you will be thanking your lucky starts you did it. Think of it this way, either you will be paying for that coverage, or it comes as part of the coverage in a package. Either way you do not want to lose out because you do not have a clue, much less a written record of what was once there and would still be had it not been for the untoward event.