Insure the contents of your shed or outbuilding with HomeProtect. Protect your tools, lawnmower, furniture, bicycles and more with shed insurance.
Outbuilding insurance for sheds
Typically, a garden shed is used for storing household maintenance items like the lawnmower or tool kit but they can be so much more than this. From a simple shed where you keep your bicycles overnight, to where you store stock for your home business, make sure your shed is covered with the right level of outbuildings insurance from HomeProtect.
Does your current home insurance cover enough?
While your buildings insurance will usually cover outbuildings like your shed or garage, you will also need to consider whether the sum insured for your shed contents insurance will cover the items you keep there.
High value items, like power tools, can quickly add up to a significant sum. Making an inventory of the possessions stored in your shed can help you to find out whether you need additional contents cover. Specifying items, particularly bicycles, is a necessity to ensure that your valuables are protected against the likelihood of theft or damage.
Note that, in some cases, increasing contents cover will cause a referral. This is when the underwriter makes an assessment of the risk to your belongings and outbuildings before agreeing to provide cover.
Making simple changes to protect and maintain your shed will reduce the chance of it being broken into. Using locks on the doors and windows, and fitting alarms and security lighting can all have an impact on reducing the risk to your outbuilding. Similar care and attention should be taken to protect from weather damage.
Pay attention to the terms of your policy where high value items like bicycles are concerned too, as having adequate locks and deterrents to thieves in place could be essential in the event of making a claim for stolen items.
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Shed Insurance Key Points
- Your policy will cover you for contents up to £1,000, unless you specify that you need more
- The single item limit is £1,500, so you must specify any belongings over that value to receive the full replacement amount if they are stolen or damaged.
- Outbuildings are covered for up to £7,500 under Buildings insurance.
- Increasing contents cover will cause a referral in some cases.