Home Insurance & Your Garden’s Value
Quick quiz – hands up who’s guilty of leaving garden items out overnight because you have forgotten to put them away! Now hands up who’s guilty of leaving garden items out overnight because you have yet to sort out the shed to put them back in. Now hands up who’s guilty of leaving garden items out overnight because you will need them in the morning and think it’s fine to leave them where they are. Finally, hands up who’s guilty of leaving garden items out overnight because you just cannot be bothered to put them away. Whether you put your hand up once or four times, you are also guilty of risking a claim on your home insurance.
12% of all homeowners have expensive sports equipment that is stored in an unsecured area outside or is left in the open air during the summer, whether said homeowners are out or in bed. Either way, it gives thieves the perfect opportunity to take full advantage. Now, some home insurance companies will offer cover to items on your property, meaning within your property boundaries, but others offer that items have to be secured before they will pay out. In fact, the vast majority of insurers fall into the latter category.
Of course, there are other considerations in terms of home insurance and outdoor items that actually have decent values attached to them. This includes items like sculptures, fountains and table and chair sets. Of course, there are more items in the list than those given here but you get the idea. Covering these items under your regular home insurance is not usually possible but many insurers do offer extra cover that will protect them and give you peace of mind. The problem comes in that many people either fail to take out that cover or do not get a level that is suitable and this can leave you considerably out of pocket.
Home insurance is a rather tricky area of financial services to navigate today because there is so much to think about. There is no longer accidental cover in many cases, unless you pay extra of course, and there is often small print that excludes a variety of other elements, such as pet damage, items in an unsecured environment, failure to secure the home and so on. As such, you have to be absolutely clear as to what you are covered for and when you are covered.
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