Garden Theft - What Your Home and Contents Insurance Could Be Missing. Page 2

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offered by Norwich Union Direct. They allow £250 worth of cover for objects left outside unsecured, and £1,500 for items under lock and key. Unfortunately if you have invested in a new patio heater and a stylish gas-powered barbecue for those heady summer evenings, this may not be enough. Other high street insurers such as the AA, the Prudential and Abbey provide up to £500 for items left in the open, and Lloyds TSB, Direct Line and Esure offer up to £1,000. More Than come out on top with the highest limit of £2,000.

This is fine for hard goods, but what about the growing plants that make up your ( mortgages ) garden? They are an increasingly popular target for theft, but only a few insurers provide cover for them. Skipton and Saga both offer special provision for plants, as well as the members' insurance of up to £10,000 from the Royal Horticultural Society. So far, the idea of plant insurance just has not been taken up by most mainstream insurance providers.

So what can you do to protect yourself? In addition to making sure your garden is a thief-proof as it can be, try our tips below for security and peace of mind on the patio:

Lock up as much as possible. Make good use of a shed or garage for storage - out of sight is out of mind for many chance thefts. Buy the best quality padlock you can afford.
Include your shed or garage in your burglar alarm circuit. That way you will know instantly if anyone tries to break in.
Mark your expensive garden items as you would those from inside your home - you can use a special permanent marker that glows under UV light. Keep an account of your purchases, and how much they cost.
Secure any valuable pots or ornaments if you can.
If you have an entrance to the rear of the house, fit a gate and make sure you ( cheap loans ) keep it locked.
Fit sensor lights for the outside of your home.
If you lay a gravel path, you will hear any intruders approaching, and the prospect of a noisy path will also put them off.
Plant a prickly hedge or other spiky plants to dissuade thieves.
Check the small print to make sure that your insurance ( personal loans ) covers the items you keep outside - as we've said here, they may not be included.

Check the Internet for Home and Contents Insurance policies - not only can ( unsecured loans ) you find the best deals, but most insurers offer discounts for buying