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Insuring your home can seem like an awkward and unnecessary expense but getting cover to protect your home and its contents is important. The distinction between home and contents insurance is easy when looking at the contents of your home, but what about your garden? With the rise in popularity of programmes such as Ground Force many gardens have been given a stylish makeover. So if you’ve got a showpiece garden then you naturally wish to take care of it, and that’s where your insurance comes in. If your garden contains valuable items or plants then you really should make sure they’re covered.

Valuable items such as statues or expensive terraces need to be noted on your policy as they may or may not be covered under your regular home insurance. It’s likely that a terrace would be covered under your buildings insurance, whilst a statue would come under contents insurance. A swimming pool will almost always be covered by buildings insurance, but check this with your insurance broker just in case. Also, if your area is prone to flooding then you’ll need to make sure that companies have included garden contents insurance as it’s not in their best interests to do so.

For those with ‘designer’ gardens it’s likely that you’ll have valuable items such as statues, ponds and water features. Companies often offer a certain amount of cover for gardens but this can vary significantly. Kwik Fit Insurance offer cover of up to £500 for your garden when you take out contents insurance with them online, so they could be worth a look.

The most important thing to do when insuring the contents of your garden or home is to make sure you insure to the proper value. If you’re unsure then get an expert to tell you what you should be telling your broker. This might cost a bit but you could reap the benefits in the long run as insuring for more than it is worth will push your premium up and any less could invalidate a claim.

Last but not least make sure you shop around to find the best deal. Comparison sites are a great way to look for good offers, but be sure to also check the websites of individual brokers.