Garden Shed Insurance

Unpredictable weather events such as hail, lightning and storms can occur on Wooden garden house cause considerable damage. It can also be destroyed by burglary or vandalism, possibly even inventory for dispossessing thieves. Without insurance, the costs for garden shed owners can quickly add up in such cases. It is therefore advisable to insure the garden house optimally after construction or to include it in the existing insurance contract. In addition, the garden house must be adequately secured, for example by a padlock.

Insure a garden shed: Check household contents insurance and residential building insurance

Household contents insurance offers protection for objects and material goods, i.e. the inventory of a house, against damage caused by hail, fire, storm or water damage. In addition, all damage caused by burglary and vandalism during burglaries is usually also insured. The inventory of a garden shed is usually not covered by simple household insurance. Here it is worth taking a closer look when taking out or extending a contract, because this can be agreed and specifically listed in the policy. Residential building insurance covers damage to the house itself. So-called attached buildings such as carports or garden sheds are usually included. It is important to note that even if your garden house is located on the same property as the residential building, it is usually not automatically protected. This often only applies to the buildings that already existed when the contract was signed. Therefore, you should study your insurance contract carefully and include your garden house in your existing insurance immediately after construction.

Garden shed insurance for the allotment garden

For garden houses in allotments, it is particularly important to take out insurance. The reason: burglaries happen far more often here than in the garden shed on the residential property. Existing household contents and residential building insurance for your residential building does not insure your house on a leased property. For this purpose, there is a so-called allotment garden insurance (also called garden house insurance), which includes elements from household contents and residential building insurance. Either it is offered by the allotment garden association itself or the tenant takes out individual insurance.

Useful questions for taking out insurance

• Sum insured: The sum insured should be chosen according to individual requirements. This should not be set too low. For garden sheds, about 500 euros per square metre are common. Estimate the value of the items stored in the garden shed (don't forget the garden furniture even in winter) and divide the total sum by the floor area of the house. This way you quickly get a value that suits you individually.
• Payments: Does the insurance pay all year round or only during the garden shed season?
• Are there specific requirements for securing the garden shed from unauthorized access? For example, are certain locks required?
• Is garden furniture also insured? As a rule, this option must be booked additionally.
• Valuables such as jewellery, coins or watches are not insured, because they are not considered typical for the garden and therefore have no place in your garden house.