You might assume that everything outside your house isn’t covered by your regular house insurance. But most standard buildings insurance and contents insurance policies do in fact include some insurance cover for garden accessories.
Walls, fences, hedges, gates, patios and sheds are usually covered by buildings insurance, while your contents insurance will most likely provide cover for items such as tools, equipment and bikes stored in a locked shed or outbuilding. However there are likely to be limits on this, so check your policy carefully to ascertain whether you have adequate cover.
Moveable objects typically left out in the open – such as barbeques and patio furniture – might be covered to a certain value, or not at all. The same applies to plants, trees and turf. Do read the small print on your policy, especially if you have valuable transferrable items.
And, even if your household insurance policy covers theft from your garden and damage to outdoor assets, insurers will expect you to take steps to prevent losses. Avoid displaying valuable ornaments and plants in the front garden, where they are visible and vulnerable. Keep side gates locked and ensure your walls and hedges provide an adequate deterrent.