What is garden cover?
You garden is part of your home, so it deserves protection too.
Garden cover looks after the things in your garden if they’re damaged by events like storms, fire or theft. It’s included as part of your home insurance, so your outdoor space gets cover too.
It covers things like:
- plants, shrubs and lawns
- trees and hedges
- flowerbeds and potted plants
What’s covered
Garden cover protects your garden items against unexpected events up to £1,000 as standard.
It covers for loss or damage caused by things like:
- theft
- storm or flood
- fire, lightening or explosion
- falling branches
We’ll even cover the cost of re-landscaping up to £5,000 if damage is caused by emergency services.
What's not covered
There are some situations where garden cover will not apply.
Things like:
- wear and tear
- poor maintenance
- damage caused by pets
- storm damage to fences, gates and hedges
Cover limits apply. Always check your policy documents to see what's covered.
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Add any extra cover you want along the way.
Or call our team on 0330 912 8820. We're here from Monday to Friday, 9am to 5pm.
Questions and answers
Check out our answers to lots of common questions about garden cover.
Yes. We’ll cover loss or damage caused by a storm to garden items you own, as long as they’re outside the main building and within the boundaries of your home.
Sheds are usually covered under contents insurance, depending on your policy and how they’re used.
Fences are often covered by buildings insurance, depending on the type of damage and policy limits.
It’s best to check your policy wording for the full details of cover.
Garden furniture is usually covered under contents insurance, depending on your policy. Check the policy wording to see if cover is right for you.
Garden cover may be restricted or may not apply if your home is left unoccupied.
Check your policy wording carefully, as different conditions and exclusions may apply.