The humble garden shed has a special place in our hearts and homes. Whether it’s the dusty sanctuary of dad’s man cave, home to the remains of a short-lived drumming career, or just a place to escape for members of the family.
Sheds, garages and other outbuildings are an invaluable asset to a home. They’re great for storage, as a place for hobbies or you could even rent them out. But when it comes to insurance, have you got the right level of cover? For instance, have you taken into account your bikes, BBQ, gardening tools and sporting equipment?
The AA has produced this new video encouraging people to consider their shed and garden safety.
Highlights from the video include:
- The contents of the average UK shed are worth around £2,000;
- If you ensure that you lock up your shed then you’re covered by your home insurance;
- When keeping expensive items in your shed/garden office, if the cost is more than £1,500 then they you need to declare them as a specified item;
- Granny flats/annexes are also covered under home insurance unless the building is self-sustained or shares a separate postcode to the main house.
Here are the AA’s top tips on minimising the risk of theft:
- Make sure your shed’s in good condition – if you think a thief could easily break in, don’t leave expensive items in there;
- All hasps (hinged metal fastenings for doors and windows) should have concealed screws;
- Fit windows with an internal grille, fixed to a steel frame;
- Fit security cages to keep valuable equipment in;
- Clearly mark all your tools and garden equipment with your postcode and house number.
You can read more detailed information and the answers to the most common questions here: https://www.theaa.com/home-insurance/advice/garden-sheds-granny-flats-and-outbuildings
Have you considered what’s in your shed recently when it comes to insurance?