Shed & Outbuilding Insurance

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Is my shed covered by home insurance? 

Our guide will help you feel confident about whether your home insurance covers your shed and outbuildings. 

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What is shed insurance?

Insurance for your shed is typically offered as part of your home insurance, as is cover for any large outbuilding, such as greenhouses and gazebos.

Your buildings insurance will cover the structure of outbuildings, while the contents of your shed – that’s removable items such as bikes, camping gear and dad’s lawnmower – are usually covered by your contents insurance. Because a gazebo is likely to be a temporary structure, this may be classified under contents insurance too.

Why should I make sure I have shed insurance?

The average value of shed contents is almost £600, and one in five say their shed contains more than £1,000 worth of tools and equipment for the garden.

So, after totting up the value of power tools and expensive bikes, you might be surprised at how hefty your total bill would be if you had to replace all of the items in your shed.

A good idea would be to start by making an inventory of all the items in your shed – that way, you’ll be able to make an accurate estimate of how much the contents are worth and it will help you decide on the level of cover you might need.

What else should I consider with shed insurance?

If you have any items that are particularly expensive, it might be worth making sure you’re covered for them. Most contents policies have a maximum limit (usually around £1,500) that an item can be worth before you need to list it separately on your policy.

There’s often limits on money or valuables stored in outbuildings too; sometimes they’re not covered at all, so make sure you check your policy to ensure you have the right cover in place.

It’s worth noting that most policies are likely to have a limit to how much cover they offer for theft from outbuildings..

Sometimes there are limits on the overall value of contents covered in an outbuilding and, if your outbuilding isn’t secure, further limits and restrictions are likely to apply. If you have a lot of tools, gym equipment or other contents in outbuildings, it’s worth checking your policy carefully to make sure you have the right cover.

How can I improve security on items stored outdoors?

Here are some simple, but effective, tips for keeping sheds secure:

  • Invest in a good lock A padlock, for example, will make you shed that bit harder to break into.
  • Hide temptation Don’t put expensive items in full view ­– hide them under dust sheets or  lock larger items away.
  • Plant natural deterrents Because the last thing a thief will want to do in the dark is negotiate their way around a prickly bush.
  • Invest in lighting Such as automatic security lights around sheds and in vulnerable areas of your property.
  • Check your shed windows Consider adding opaque security sheets, and keep windows closed and locked, if possible.

How can I find a good deal on home insurance?

Just use our comparison service and we’ll help you find home insurance that offers the level of cover that’s right for you.

Start a quote with us today to see how much you could save on your buildings and home contents insurance. - the easier way to save

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