The nights are getting lighter and spring is finally in the air. So it’s time to follow a great British tradition: don your shorts and get out in the garden at the first sight of sunshine. But, despite the good weather, it’s not all good news. Recent research shows that thefts from gardens and outbuildings increase by a whopping 25% when the clocks go forward – with loot averaging £850.
It’s likely that the contents of your garden could be worth more than you think. If you take in to account the plants, lawnmower, shed, BBQ, greenhouse and patio furniture, not to mention kid’s toys – and even the gnomes – it could all add up to a small fortune.
Yet, when it comes to home insurance, most people choose a policy that only covers the inside of their house. But with one in seven gardens being targeted by thieves, insuring the outside of your property could be equally important – especially for those green fingered home owners.
Some home insurance policies will include a certain amount of garden cover, but you’ll need to check with your insurer. Even it is included in your policy, you could find that it’s not enough to cover you in the case of theft or damage. If this is the case, you can usually upgrade your policy.
Cover can vary depending on your insurance policy. Some will only include items that are fixed in place, such as water features, sheds and greenhouses. Others will offer more comprehensive cover and include plants and shrubs. But be careful where you plant or put your pots, as most insurers only cover items up to your property boundary.
Of course, when it comes to protecting your home and garden, it helps to be security minded. So, even if you’ve had one too many at an afternoon BBQ, remember not to leave anything outside during the night. And if you put items in your shed, make sure that they’re out of sight and that the door is locked – particularly if you’re going away on holiday. Also, bear in mind that items such as ladders or wheelie bins can be a burglar’s best friend. So lock them away or keep them out of sight.
Then, once you’re covered you can just sit back and enjoy your garden – while the good weather lasts.