Our garden insurance offers protection against acts of theft, vandalism and/or damage to your customers outdoor items.

Cover can be purchased as an optional add-on to buildings & contents insurance but can also be bought as a standalone product.

Garden insurance cover details

What’s covered
  • Theft of trees and plants that are owned by the policyholder and within the boundaries of their home.
  • Loss or damage to fences, gates, hedges, lawns, patios, ponds, rockeries and walls caused by:
    • Storms
    • Floods
    • Lightning or explosion
    • Theft
    • Fire
    • Television aerials, satellite dishes and tiles falling from the building
    • Malicious damage (unless caused by the policyholder or their family)
    • Accidental damage (unless caused by the policyholder or their family)
    • Branches falling from trees
    • Wild animals.
What’s not covered
  • Property being confiscated or destroyed by government, public or local authority
  • Liability of any kind
  • Loss or damage to fish/other creatures/animal
  • Damage caused by:
    • Domestic animals, birds or pets,
    • Frost, subsidence, landslip or heave,
    • Light, climatic or atmospheric conditions,
    • Rot, mildew, fungus or poisoning.
Optional cover
  • Properties which will be unoccupied for long periods.
  • Cover for malicious damage by tenants (which many landlord policies don’t include).
  • Legal expenses and/or home emergency cover.
Ways to trade
  • Schemes – Build your business by offering bespoke personal lines insurance which meets your customers’ exact needs.

Explore the Garden insurance market

Market information
  • The Association of British Insurers estimate that one in seven gardens falls victim to theft.1
  • According to the English Housing Survey 2008, 78% of English houses have front and back private gardens.2
  • Britons spend an average of £30,000 on their gardens over a lifetime.3

1: http://www.bobatoo.co.uk/blog/garden-contents-covered-home-insurance, 2: http://www.express.co.uk/life-style/top10facts/660535/Ten-things-never-k..., 3: http://www.independent.co.uk/property/gardening/britons-spend-an-average...