Don't Forget Your Garden When It Comes To Home Insurance

While the majority of people do realise the importance of
having contents insurance to safeguard their possessions from
theft and other disasters, very often the contents of the
garden are sometimes forgotten and, if you have expensive patio
furniture or such like, then this could be a huge mistake.

In a recent study it was found that here in the UK we spend
millions on garden furniture, plants and equipment to enjoy
what little summer we have. With theft of garden and patio
furniture on the increase it is essential that you make sure if
you are covered for these in your home insurance policy.

Another fact that came to light was the fact that while people
protected their homes with security features very few people
gave much thought about enhancing the security in the garden or
patio. This has left them wide open to the rising figures of
garden and patio thefts which are thought to be around the 1.4
million mark.

However there are many simple ways that you can help to protect
your home and garden. One way is to make sure that you get into
the habit of enuirng that you put all expensive garden
equipment in a locked shed. One of the best precautions that
you can take when it comes to securing your garden is to make
sure there is plenty of good protection to stop thieves even
getting close; a simple sturdy fence is all that is needed to
keep prying eyes out.

However, even with the best of intentions and added security,y
thieves can still strike and invariably do, so it is essential
that you make sure that your current policy covers the extras
such as furniture, garden equipment and even such things as
bicycles if they are stored outside.

Very often such things will need to have a separate policy in
order to cover them; while some policies will have this clearly
outlined, more often than not it is in the small print.

When shopping for insurance for your home, the quickest and
easiest way to do so is to use a specialist broker, not only
can you find excellent advice but you can also get the cheapest
premiums. If the cover of the policy doesn't extend to cover
your garden equipment then some companies will give you huge
savings if you take extra cover at the same time as your home
contents insurance.

About The Author: David Thomson is Chief Executive of
BestDealInsurance (http://www.bestdealinsurance.co.uk) an
independent specialist broker dedicated to providing their
clients with the best deal on their home, motor and life
insurance.

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