From This is Money:
These offer rich pickings for thieves. They can be packed full of exotic trees and plants, luxury furniture, barbecues, heaters and power tools. Estimates by Lloyds TSB insurance suggest the total value of equipment and plants kept in gardens could be more than £15bn. And garden crime is a growing problem. Lloyds says it processes about 5,000 claims a year with an average loss of £730.
Standard mainstream home contents policies will usually stretch to garden contents – with limits. These vary widely from a few hundred pounds to a few thousand, depending on the insurer. There will be single item limits with the cover. Garden cover is a valuable benefit, so check the small print when buying or switching policies.
Rebecca Holmes, spokeswoman at Aviva, formerly Norwich Union, says: ‘Most insurers will cover garden items and tools in locked sheds, but if you have something of particular value it may be worth talking to your insurer or a broker.’
Aviva, for examp…