Your garden is obviously a part of your house. It’s inside your property. Conventional logic would dictate that since this is the case, it’s probably covered by your home insurance policy, right?
Unfortunately, that’s not the case. While there are some outliers where the home insurance policy does cover the garden, the painful truth is that even as you lavish money on your garden, there’s a good chance that your home insurance policy doesn’t cover it.
That’s something that gardening enthusiasts like us would rather know right from the beginning instead of when we direly need that insurance coverage. After all, this is a passion we’re talking about.
So, now for the questions:
Why isn’t my garden covered by my home insurance policy?
It’s because of one assumption. Because gardens are prone to theft and damage during the summer, homeowners tend to undervalue the contents of their garden in the same manner that they do with household items.
Home insurance policies often do not cover “moveable items”. So, garden features like your newly-laid garden turf (which can be lifted) become targets for theft.
The point to consider here is that all objects in your garden that are moveable are not covered, which, to many garden enthusiasts, means pretty much all the decorations that you took the time to install including garden furniture, barbeques, flower pots, and ornaments. However, there are some exceptions, such as expensive plants like bonsai and ride-on lawn mowers.
It’s also important to note that if your garden and its moveable contents aren’t protected by your home insurance policy from theft, then you can also assume that your garden isn’t protected from natural disasters like storms and floods, or even something as silly as your dog digging up your garden because it was bored.
What Do I Do Now?
It’s not a problem that can’t be solved by proper communication. Get in touch with your home insurance company and ask if there are any policies that do cover gardens and the contents therein. Though, keep in mind that these policies will likely only give limited coverage.
Communicate to your insurance agent what items you want to have included in your contents list. This way, you’re able to protect as much of your garden as possible. Insurance companies like Allstate offer a wide variety of policies that you can even personalize to fit your needs.
So, whether you’ve been building and decorating your garden for quite some time now, or you’re just starting out with your project, you now have the knowledge and awareness to ensure that your hard work (and more importantly, your passion) doesn’t go to waste simply because your insurance policy didn’t cover your garden.
Once you have things secure, you might also want to move onto more delicate projects, like maybe planting a garden full of vegetables that are easy to grow.