From barbecue to garden house: which items in the garden are or are not insured?
The garden is our green oasis of peace. Here we can relax after a hard day of work or enjoy a drink or dinner with friends. A storm or unwanted visitors can throw a spanner in the works. Which garden supplies are insured against damage or theft?
Which items in the garden are or are not insured?
From expensive garden sets to luxury outdoor kitchens: theft and damage
The barbecue has a spot under the veranda, while your luxurious lounge set remains on the terrace. If the weather forecast is bad, just remove the cushions from the chairs. The rest remains standing. But is that actually wise? Because what about insurance if your garden items are damaged or perhaps even worse, stolen from the garden?
The separate garden interior is often not insured with your home insurance. This does apply to fixed objects. Such as a canopy or a garden house, for example. They often fall under the home insurance. In any case when it comes to damage caused by an accident, hail or storm.
These areas must also be equipped with locks with a specific quality mark.
If there is theft from these locked areas, you must also be able to demonstrate that there are signs of forced entry. For example, on the fence or in the garden shed where the items are stored. Loose garden items are not always covered.
Many insurers impose requirements and conditions on insuring separate garden interiors. In many cases you will have to take out separate insurance for this. So always read the insurance policy carefully.
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Are my garden items automatically insured against storm damage?
No, it is not always self-evident that storm damage to fixed or loose garden objects will be covered by your insurance company. If the garden house, veranda or other fixed objects are damaged by fire or storm, this is usually covered by home insurance, but you cannot automatically assume this.
Sometimes you also have to take out a separate policy for this. Especially for loose items. Such as lounge sets, barbecues or garden kitchens. Does your insurance cover storm damage? Then pay close attention to the conditions.
Broken garden equipment due to a storm: what are you entitled to?
Storm damage to loose garden equipment is often not insured under regular home insurance. Some companies do reimburse storm damage to garden houses and verandas. In that case you have to deal with conditions. A storm is only a storm from wind force 10.
This equates to wind gusts of 100 km/h. Although storm damage to your home is automatically covered by fire insurance, this does not apply to the objects and belongings in your garden. It is therefore better to prevent storm damage to garden equipment.
Preventing damage to or theft of your garden interior
Prevention is always better than cure. This also applies to theft and damage to loose and fixed objects in your garden. Is a storm coming? Make sure that loose garden items do not simply move from their place.
If possible, store the garden set safely or ensure that it is firmly secured. For example with tension straps. This also applies to the trampoline and other garden equipment that can easily cause damage or become damaged. Don't make it too easy for thieves.
Make sure that the garden is closed with a sturdy gate or fence. Store valuables in a room with a proper lock. Also ensure good garden lighting. Thieves love dark or poorly lit gardens.