Garden Theft - What Your Home and Contents Insurance Could Be Missing
Home Author: Catriona Singfield
25% of us have suffered theft from our gardens
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And yet, according to a survey conducted by top insurers Churchill, 38% of us don't take what's on the outside of our homes into account. Garden security is not a priority, despite the high cost of the equipment we often leave outside - lawnmowers, patio heaters, gas barbecues - all rather obvious and tempting targets. But ( medical insurance ) what of the plants themselves? Thieves have not been slow to take advantage, as Mrs J P from Glamorgan was shocked to find out. She glanced out of her window to see a man "dashing up the street clutching one of our plants". Sadly this is not an isolated incident: 18,000 similar thefts were reported last year, with the most common item on the thieves' list being the household favourite, the hanging basket.
The average shed contains £1,300 in tools, toys and sports gear, with only a padlock ( unsecured loans ) between it and the opportunist with a break-in on the mind. It isn't much to guard all that gear - imagine leaving the TV or your DVD collection outside. Would you expect it to be there in the morning?
But you may think that you can relax; after all, your insurance covers ( personal loans ) your garden and shed - or does it? Not all policies include items left outside, and Home and Contents usually only includes things secured in a locked outbuilding or shed.