Insurance for Your Shed and Its Contents

Whilst most homeowners assume their shed and its contents are covered by their home insurance policy that isn’t always the case. Whilst the shed itself is likely to be covered, as are fences and gates because they’re considered fixtures and fittings, anything moveable stored outside of the house, including outdoor furniture under covered patios, is often not included in the average home and contents insurance policy. This is therefore something to check because many homeowners have found out the hard way that their garden furniture, barbecues and gardening equipment, aren’t included in their home and contents policy.

Shed

Security – Don’t forget to lock up
Although you’ll want to check with your insurer to make sure the contents of your outbuildings (not only sheds but pagodas and covered patios too) are covered by your home and contents insurance policy, if you’re to successfully make a claim for items that have been stolen from your garden shed it must have been locked up beforehand. Common grounds for refusing an insurance claim include unlocked sheds, so if you’re going to be storing anything of value, including tools and gardening equipment, in your garden shed you’ll need to keep it locked up. Furthermore, a good lock often serves as a deterrent to thieves, so by investing in a good lock for your shed door and bars or grilles for the windows, you may be able to avoid filing a claim altogether and enjoy healthier insurance premiums as a result.

Home offices – Security becomes a real issue
For most homeowners with average garden equipment and tools stored in their garden sheds security isn’t a great concern – which doesn’t mean that they shouldn’t take the issue of security seriously – but when you’ve done up a shed or standalone structure in the garden as a home office and store a computer and other items of value in it, it becomes a target for thieves. If you’re planning on renovating your old garden shed or are investing in a new one with an eye to turning it into a home office or studio, one of the first things you should do is contact your insurer to enquire about its status. Is it covered for damage and theft is the main issue here, but you should also take an interest in common grounds for refusing an insurance claim, such as unlocked doors and inadequate lock systems on doors and windows, the latter something that many homeowners have overlooked and found to be the grounds for an unsuccessful insurance claim.

Added security – What you can do without breaking the bank
Whilst you could go all out on a comprehensive security system for your garden shed or home office, there are a few simple measures that can be taken to reduce the chances of a break-in occurring. A good quality lock, one that’s immediately visible, is essential, as are other highly visible deterrents like strong grille or wire mesh over windows, as is a ‘shed bar’, a level bar laid over the width of the door frame and easily installed on most garages for sale. A shed security system is a wise investment, and whilst you don’t have to go all out on a comprehensive security system that will detect intruders crossing the yard, a simple shed security system that can be picked up for about £20 or so is a worthwhile investment. Keeping your shed well maintained is also essential and by replacing old doors and windows when they become damaged (more a problem with wooden sheds than prefabricated metal sheds) you’ll eliminate weak spots that thieves could exploit to break-in.


About the Author:
A company in Australia, Yourshed makes customised building kits for barns, sheds, and garages for sale online. Learn more about their services at yourshed.com.au.

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