For all those homeowners who like their garden and their plants the good news is that they are all covered under your buildings and contents insurance policy. Most homeowners will have a home insurance policy of some kind, so you’ll be glad to know if you have one already you should be covered.
In your garden your trees, shrubs, plants, hedges, lawns and land that belongs to you will be covered for loss or damage. So in the even of fire, smoke, explosion, lightning, earthquake, malicious damage or vandalism they will be covered. Plus, if they are stolen or attempted to be stolen then you’ll also be covered.
You’ll need to check with your home insurance provider and the terms and conditions of your policy, buy in most cases you will find that you should be insured for up 2,000 pounds. Of course each policy will differ depending on the coverage of the policy. If you do happen to make a claim for damage, loss or theft, then you’ll have to pay your excess which will be shown on your home insurance certificate.
That’s why when you conduct or set up your buildings and contents insurance policy; always pay as little as you can on the voluntary excess, because when a claim is made you’ll need to pay this sum to the insurer. Increasing your excess on your policy can reduce your premium. Some homeowners use this information to allow them to get the cheapest quote they can by increasing the excess to the maximum. The only problem is that when you want to make a claim to your insurance company, before any repairs or damages can be done, you need to pay the excess first.
If you are currently looking for a cheap home insurance quote then one of the best things you can do is go and compare home insurance policies. Make sure you are covered for your garden and its contents too.
Related posts:
Written by Genie Simmons
Topics: Home Insurance