Garden room insurance provides you with peace of mind and has you covered in the event of accidental damage or a break-in. Whether you use your garden room to store garden furniture and toys or more valuable items such as expensive gym equipment, state-of-the-art technology, high-end art work or irreplaceable family heirlooms, there are a number of different insurance options available to you. Read on to find out more about the various types of garden building insurance, as well as how to keep your outdoor building safe and secure.
Do garden rooms require insurance?
Just like home insurance, garden room insurance is not a legal requirement in the UK however, it is recommended. In fact, it is estimated that insurers pay out approximately £8 million a day for household insurance claims so it’s always better to be safe than sorry. It is advisable to opt for both building and contents insurance to protect you against structural damage, such as that caused by flooding or accidental fires, as well as theft.
What type of insurance would cover a garden room?
First things first, we recommend checking your current home insurance policy to see if your garden room is covered. If this is the case, all you need to do is contact your insurer to update them and provide details of any additional contents you would like covered, such as computers in your home office or sound systems in your home cinema.
Typically, home insurance companies will only cover garden rooms for personal use, so if you’re planning to use your garden room for commercial purposes, be that a hair salon or dog groomers, you will need to find a commercial building insurer. Some companies offer insurance policies specifically for garden room businesses, including Swinton Insurance, Henshalls Insurance Brokers and John Lewis Insurance, but we recommend doing your own research and finding a policy that works best for you.
Again, like home insurance, commercial building insurance is not a legal requirement but it is a sensible choice to keep your place of work protected.
What might affect your garden room insurance?
There are some scenarios where your garden room insurance policy will be invalidated which means you will not be compensated for the damage. For example, if you leave your garden room unlocked and unattended, leave windows open or even fail to mention a cat flap on your insurance policy. If you are burgled under these circumstances, you will be liable. Insurers will expect you to have appropriate security measures in place before insuring you, which may include residential locks, floodlights or even burglar alarms in some cases.
Insurance companies will usually cover your building against damage caused by heavy rain or storm conditions, such as a tree falling down in a storm, however, if your garden room is built directly beneath a large tree, your insurance quote may be higher. It is important to read the policy carefully to understand what is and isn’t included.
Crown Pavilions only uses residential grade locks and ironmongery on windows and doors which are accepted by most insurance companies.
How to keep your garden room safe and secure
Here are just a few tips and tricks to keep your garden room safe and secure:
- Hide all expensive items out of view e.g. in drawers or cupboards, or even a safe
- Lock all windows and doors when unattended
- Set up motion sensor floodlights
- Install a burglar alarm
- Install CCTV
A Crown Pavilions Garden Room
At Crown Pavilions, we design and build residential-standard garden rooms, including high-quality double-glazed windows and doors with residential locks, meaning you can trust your garden room is safe and secure. Our experienced team can also help advise on any additional security measures if required.