Are my belongings in the garden insured under the contents insurance?
The holidays are over and most people are already talking about the summer. Enjoying a barbecue, sitting in the garden with a glass of wine or going for a swim. Many people also leave tablets, phones and other valuables in the garden during the summer. I'll only be gone for five minutes. But what if it gets stolen? Or you fall through the garden chair? Are these items insured then? And what is insured in your garden? In this article we look at home contents insurance for your garden. Find out what is covered and what is not covered below.
What kind of damage does the insurance cover to your garden?
Damage that you may have to your garden is covered by the contents insurance and the building insurance. The contents insurance covers damage to the following items: Garden furniture, lawn mowers, a flagpole, laundry on the clothesline, a parasol, (often also trees, shrubs and plants) and materials stored in the shed or an outbuilding.
What does the insurance not cover in your garden
The garden differs from indoors in a number of ways. For example, tablets, phones, laptops that you leave on the garden table because you are 'just going to get the washing' are usually not insured. The insurance company gives the following reason for this: the risk of accidents is greater outdoors than at home.
The insurance generally does not cover consequential damage caused by the weather either. Think of storms. In case of fire, the insurance will probably pay out, but damage caused by hailstorms, for example, will not. In the Netherlands, damage to household effects due to weather conditions is almost never paid for.
In case of theft of plants, shrubs and trees or vandalism of your garden, you are generally not insured either. Theft from your shed is often different. This is often reimbursed, but there is almost always the requirement that there are traces of breaking and entering as proof of the theft.
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What to do if you sustain damage
First of all, of course, it is important to take enough photos of the damage you have sustained. After that, get as many things as possible to safety and file a claim immediately.
Because a garden is often a rather open area, most insurers make a lot of demands before they pay out. As you have already read, not everything is reimbursed by the insurer just like that. Always take a good look at your policy and its conditions to avoid unpleasant surprises. Not every insurance policy includes the garden in its cover. Also, not every insurance company pays out an unlimited amount in the event of damage to your garden. Sometimes they have set a maximum per claim that you will be paid.
More information about insurance? Check out the options at Alpina!
Do you want to get contents insurance for your garden? Then you have come to the right place at Alpina. At Alpina you always get the most complete insurance at the right price. Do you have any questions about insurance? Please contact us or request a no-obligation quote.
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