Add Garden Equipment to Insurance Policies
Homeowners are urged to think about not only the contents of possessions inside their homes but in their gardens today.
Time and again homeowners are researched and found that they are under insured when it comes to the possessions inside their home but many of course also forget the vast amounts of money spend on garden equipment, power tools and sundries that are either left outside in their shed or garages and these may not be insured.
You may be quite surprised to hear that most people spend upwards of £20,000 on their gardens in a lifetime and about £5,000 is spend on electrical items such as lawnmowers, hedge trimmers, leaf suckers and other tools that are used in the house. Additionally people will likely have a shed that is full of paint tins and other tools such as screwdrivers and a big tool box that if stolen may not be covered.
Many insurers have a base line they will cover you for but if you have expensive items and have not mentioned them on your policy then the insurance company may not pay out. So what can you do? Well for one go and have a look in your shed and garage and make a note of what is in there and then go and check your policy to see if they are covered. If not make a quick call to your insurer and get the main items mentioned in your policy.
Thieves love garden sheds because more often than not they are not secure. Many people don’t even put a simple padlock to make it a little harder for wannabe thieves to enter and especially during the winter months when you might not look into your shed for a few months you may find that come spring time some of your prized gardening items are missing and you won’t know when the theft has occurred. So if you don’t have a lock go and get one. They are very cheap and it’s easy to fit.
So when you are coming to renew your home contents insurance policy don’t forget to note everything that is outside of your home on the patio, in the garden itself or in the shed or garage and ensure that any new policy you are taking out provides adequate cover if these are stolen.
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